By Class:
Paladin / Shadowknight / Ranger / Bard -40%
Monk -20%
Wizard / Magician / Enchanter / Necromancer -10%
Rogue +9%
Warrior +10%
Penalties are multiplicative.
You will notice them solo for sure, but if its your only character you won't really have a baseline to compare to, so who cares? :-)
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Jorg Shaman
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