[BigbysBackhand]

As I understand it though the way the NWN engine works, you may as well spend the XP that is banked that would put you above 16th lvl. As when you lvl do you not loose the xp beyond what the requirement was normaly?

Unless with this banking system it holds onto all of it forever, so some one who just lost 5 lvls could in theory if they never spent any XP get right back as long as they gained the necessary notoriety? A person might already even have that requirement to gain back much of what was lost, since if you already are at a faction ranking of 5 then any notoriety you've gained has just been piling up correct?