if you decide to use a spell on your turn you take the spell token and place it in the active spell box. we all need to be aware of the places we can turn to for help. it is during this stage that the reality was no longer something that i could push aside. ​after i pulled these out of the oven, everyone came running. a point is equal to 1% of your loan amount. contact your nearest sales office with any questions. i have very little to no support at home. second is the distances and speed involved. 