[Agathorn]

You're right I listed that wrong.. The sewcoind half of the equation should be ExperienceCurrent NOT debt.

Doesn't Debt return IE 5?

It should be:

(Exp + Debt) - Exp

50% exp, 5% debt
50 + 5 = 55
55 - 50 = 5

50% exp 0% debt
50+0 = 50
50 - 50 = 0