On a completely different note from most of this thread, Guild reputation crests/scrolls/carvings/etc have had their value reduced by around 40%, so if you aren't already max rep with a guild, use your cooldowns BEFORE HD goes live, and you will need about 150k of total rep based on current values in your vault to get to the new cap on release day. The new rep cap is 90k, but with the 40% reduction to values, you need 150k to get that, give or take a little. Enjoy the grind, and sorry for the late notice.