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Official Information

This is typically what you do when your equipment is lost for any
reason, and cannot be recovered. It is possible to be re-issued
a basic set of equipment.

If you are less than 10th level, you can simply enter the command
'reequip' from no matter where you are in the world, and you are given
some basic equipment, at a very reasonable price. If you are level 10 or
higher, Mish the broker will help you... for a price. She requires that
the money be deposited with a banker (HELP BANK). Note that the costs
increase for a basic equipment set as a character's effective level