Just like , distill the book and the experience of reading it down to oh about 140 characters . Thanks in advance . <| sep |> When people talk about defaulting on debt . They ' re referring to the future debt an independent will owe the rUK . We will owe that debt , and we will be defaulting on it if we refuse to pay it . I think you ' re giving ' people ' too much credit . <| sep |> I think Shiva 3 stars might bring parties with 2 healers one of them at least being WHM and no attackers since there is no attacker with a decent enhanced fire . One breaker preferably assassin since huge resist water and one defender scholar , preferably , but warrior would do I guess would still be needed . <| sep |> I ' m good enough , I ' m smart enough and doggone it , people like me .