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The WIS is the problem:
A WIS of 7, 8, or 9 drops lore 10 points and 20 points if less than 7!
A bard gains 10 points of lore per level
A fair bard roll would be {89}:
12
18
16
18
10
15
A good bard roll would be {92}:
13 (a certain ring could get it to 14 for more carry capacity)
18
17 (see WIS - it will go to 16 using method below)
18
11 (a combo of 3 potions gets this to 13 to use a HoW item - late)*
15
*this requires THREE (3) random potions - feeling lucky?
A great bard roll would be {97} - depends on who's your CHA character:
14 (a certain ring could get it to 15 if you want to use a CLB)
18
16 (not worrying about the 3-potion WIS trick)
18
13 (use the HoW item)
18 (if he/she is to be your shopper - can get it up to 25 w/ spell/items)*
*another good ways to get a good CHA characters (if you want to just roll a 94-point bard):
1. cleric + 18 CHA + amulet (buy) - then add a certain head item (24 CHA)
2. mage + 18 CHA + spell - then add a certain head item (24 CHA)
If you go higher then 97 [I never have] - add points to STR...
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