A shimmering field appears and surrounds a creature of your choice within range, granting it a +1 bonus to AC for every 2 GP spent (minimum of +1 AC and 2 GP even at higher levels). The spell lasts so long as the caster is able to continue paying the royalty fee to use the spell. Why bother with your concentration when other mage's are glad to do it for a price.
If the caster becomes unable to pay the royalty fee the spell immediately ends once no payment is received on the hour. The caster can attempt a DC 15 (Intelligence) check to shirk payment off onto a random unknowing creature within 10 feet. Payment shirking can be attempted every hour.
Higher level spell slots may be used with added benefits of every shield gaining +2 AC for every slot about 1st with only an increase of 2 GP (Best Deal!) . Number of targets also increases by 1 per spell slot above 1st, so long as the caster continues to be able to pay for each additional shield.
* - (2 GP per +1 bonus AC, cost deducted hourly)
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