Re: Moonsea -- OOC #2!
in black and white...
Experience Point Cost
Each time a character's level adjustment is eligible to be reduced, the character may pay an XP cost to take advantage of the reduction. The character must pay an amount of XP equal to (his current ECL -1) × 1,000. This amount is immediately deducted from the character's XP total. The deduction should reduce the character's effective character level (ECL) by 1. (If this deduction would not reduce the character's ECL by 1, the character's XP total is set at the maximum of the level below his current ECL instead.) This XP cost can't be reversed in any way, and the payment must be voluntary on the part of the character. The payment must be made immediately upon becoming eligible to reduce the character's level adjustment.
For instance, a 2nd-level gnoll fighter (ECL 5) who later gains a third class level has a minimum of 15,000 XP (his ECL has just gone from 5 to 6). He is eligible to reduce his level adjustment from +1 to +0. He must pay 5,000 XP, since his ECL is now 6 (2 Hit Dice plus 3 class levels plus his +1 level adjustment). After he pays the XP, his level adjustment decreases by 1 to +0. He now has 10,000 XP. His ECL falls to 5 (2 Hit Dice plus 3 class levels). Even if the XP payment would not reduce him to 5th level—for instance, if his XP total after reaching 6th level were 20,000 or more—his XP total can't remain above the maximum for 5th level, which is 10,000. Effectively, the gnoll has "paid off" his level adjustment with an XP cost, and he is now a 5th-level character.
Similarly, a drow cleric who has just reached 6th level (ECL 8) is eligible to reduce her level adjustment from +2 to +1. She must pay 7,000 XP, and her ECL becomes 7 (6 class levels plus her +1 level adjustment). When she gains her 9th class level (ECL 10), she can reduce her level adjustment to +0 (and her ECL to 9) by paying another 9,000 XP.
On the surface, this tradeoff may look like a bad deal. The drow cleric has now sacrificed 16,000 experience points, putting her behind her comrades in total class levels. Now, however, she progresses as if she had never had a level adjustment. With the self-correcting nature of the experience point system, she will soon catch up to the rest of her party, and will reach 20th level after earning a total of 206,000 XP (190,000 plus the 16,000 in XP costs). If she had not used this variant system, she would have had to amass 231,000 XP to reach her 20th class level (which is ECL 22 for a normal drow with a +2 level adjustment).
Hope that helps... Pretty simple to me actually. The longer you wait the more it costs you. And you would go on as if nothing happened afterwards.