This is for FT-RPG - offline game.
In FT-MMOG you do not lose a level, just the XP gained.
So it is best to change stats just after levelling as the wizard says he will take all your XP.
And 839 - 8365 XP is better to lose that 268300 XP
This is for FT-RPG - offline game.
I'd give them to you FREE if I could.