[SimonAnything]

When you level to earn more cash, who is going to provide those credits? Someone needs to purchase them. If you are going to say that your referrals will, someone let me know if through referrals that they've earned even 100 dollars worth of credits. The point I am trying to make is that someone, somewhere has to pony up that cash.

Edit: I think skills are better than schooling. Should have a tier list within skills to add abilities.