a paladin won'tuse a magical item unless it's his. It doesn't matter who actually carries the item; if apaladin has claimed ownership, it belongs to him. A paladin may loan items to his companions,but so long as he retains ownership, loaned items count against his limit. Conversely, if apaladin has 10 items, he won't borrow items from other characters. A paladin won't look for ambiguities to exploit; he remainstrue to the spirit as well as the letter of these rules. Of course, apaladin may not know that an item is magical when he acquires it. But as soon as he becomes aware of its special properties, he'sobligated to give it away or to get rid of another item to remain within his limit. A paladin mayvoluntarily rid himself of a magical item if he finds a more desirable one. For instance, he may give up an arrow of direction ifhe discovers a javelin of lightning. Excess magicalitems may be given to other chaotic good characters, donated to the paladin's religious institution, or simply discarded. Sinceexcess items technically don't belong to the paladin (he won't claim ownership), they maynot be sold or traded, even if the paladin intends to funnel the profits to a worthy cause.Wealth Limits A paladin has nointerest in wealth for its own sake. He seeks spiritual rather than material satisfaction, derived from serving his faith andhis government to the best of his ability. To a paladin, the pleasures of ownership arefleeting, superficial, and ultimately debasing. The rewards of duty are lasting and deep. Still, the paladinrealizes that a certain amount of money is necessary to survive. Rather than forego money altogether, he retains enoughwealth to meet his worldly obligations and sustain a modest lifestyle. A paladin doesn'texpect handouts, nor does he rely on the generosity of strangers or his companions. He feels responsible to pay his own way andtakes pride in his self-sufficiency. He earns income from treasure, rewards, andfees, the same as anyone else. Unlike most other characters, however, the paladin operatesunder strict guidelines as to how he can spend his money and how much he can save.Budgeting A paladin requiresfunds to cover the following expenses: Food. A paladin isresponsible for feeding himself and his steed. To hold down costs, the paladin might hunt his own game, and may gather fruits,nuts and vegetables from the wilderness. Weapons, armor,and clothing. This includes the costs of purchase, upkeep, repair, andreplacement. A paladin seldom skimps in this area, spending as much as hisfunds will allow to secure the highest-quality equipment. Tack and harness.As with weapons and armor, many paladins splurge to buy the best, especially for bonded mounts. Lodging. Whensleeping outdoors isn't practical, paladins seek out the least expensive inns. Taxes andlicenses. The paladin must make all payments required by his liege. He must also pay all foreign tolls and fees levied during histravels. Training costs. Apaladin may pay a tutor for training, providing the tutor is of chaotic good alignment and the paladin has permission fromhis patron. (See Chapter 7 for more about training procedures.) Miscellaneousprovisions. Including medicines, lantern oil,