Bg3 tempest cleric multiclass

So to sum: Option 1: Land: Mountain Druid 5 -> Tempest Cleric 3 -> L:M Druid X. Option 2: Tempest Cleric 1 -> Land: Mountain Druid 5 -> TC3 -> L:M Druid X. There's no point in doing the build the other way around (that is, a couple levels of Druid, most levels in Cleric) - a Druid dip offers a Tempest Cleric very little in the way of usefulness ...

Bg3 tempest cleric multiclass. For example, if you are a Cleric multiclassing as a Rogue, you’ll need a Wisdom score of 13 or higher, and a Dexterity score of 13 or higher. Image by YamaOrce, CC License. Class Ability Score Minimums: Artificer – Intelligence 13. Barbarian – Strength 13. Bard – Charisma 13. Cleric – Wisdom 13.

Dexterity – 12. Constitution – 15 (+1) Intelligence – 14. Wisdom – 17 (+2) Charisma – 8. Baldur’s Gate 3 – Zero Punctuation. Baldur’s Gate 3. BG3. Auntie Ethel’s Teahouse Is A ...

TPST: Get the latest Tempest Therapeutics stock price and detailed information including TPST news, historical charts and realtime prices. Indices Commodities Currencies StocksToll House BG3 Walkthrough: Toll Collector's Key, Chair Puzzle and Secret Door. 72. Baldur's Gate 3 - Find the Missing Shipment: Endings & Options ... While this build is primarily a Storm Sorcery-focused build, it will multi-class into the Tempest Cleric as well. The reason for this is because it gives access to heavy armor and shields, which ...Here's Divinity/BG3 buildsmith sin tee taking on the hardest boss of Act One with a solo level 7 Open Hand Monk as an example. Monks have three real knockouts on offer: Flurry of Blows ...member. B. Joined: Jul 2021. A fun character I used on my first playthrough was a multiclassed tempest cleric / storm sorcerer. Level order was sorcerer 1 -> cleric 2 -> sorcerer 10. Starting stats were 8/14/15/8/12/17, increased to 8/14/16/8/12/20 during leveling. The gear I used was balanced between survivability and spell power.Tempest 11 / Wizard 1 gives you all the cleric spells up to level 6, and you can learn any wizard spells in the game from scrolls. You could focus WIS or INT for this build, depending on which spells you want to use against enemies. Often people will focus WIS and use the Headband of Intellect to boost INT. I'm starting a new playthrough and ...The Fed has "achieved the maximum pressure" needed to bring inflation down, JPMorgan Asset Management's Bob Michele told Bloomberg TV. Jump to The Federal Reserve can take a break ... However, there are definately lightning centered build options. By very early act 2 there is practically an entire set of items built around lightning and thunder damage. My first thought for BG3 was Tempest cleric 6 / Storm sorcerer 6. Start with a 1 level dip in sorcerer to get Con proficiency then go 6 tempest cleric, and then the last 5 ...

discord server: https://discord.gg/mhctcVKmGu **(for those who enjoy Theorycrafting or want to hangout and group up for a variety of games! Still under cons...Clerics highly defensive support casters BG3 moderate damage, Tip: Losing access to the level six spells Heal and Heroes’ Feast spells is quite significant, which any Cleric multiclass will do ...Cleric Wizard 5e Multiclass Guide - A 5e Guide to Godlike Wizardry Clerics are masters of divine magic, versatile enough to fill any role on the battlefield with access to countless spells and holy blessings. Wizards are the masters of arcane magic, powerful spellcasters with the widest range of spells including the most useful of utility spells and …First 2 levels take Cleric, Tempest Domain. It gives you nice armor proficiency and the divine conduit max damage. Then you have 2 options depending on your party : A) Continue Cleric until lvl 6 = you get good lightning spells and healing/buffing spells. Useful if you want this chararcter to be a good supportCleric Wizard 5e Multiclass Guide - A 5e Guide to Godlike Wizardry Clerics are masters of divine magic, versatile enough to fill any role on the battlefield with access to countless spells and holy blessings. Wizards are the masters of arcane magic, powerful spellcasters with the widest range of spells including the most useful of utility spells and …Tempest Cleric / Storm Sorcerer - My Most Fun Build - Cleric - Class Forums - D&D Beyond Forums - D&D Beyond. 1. 2. 3. Next. #1 Sep 10, 2019. …

The downside is that this might not be permanent as in D&D, Extra Attack Sources do not mix together with the exception of the Fighter & Larian can nerf this in the Future. Tempest Cleric/Paladin is a great Multiclass option if you are mostly cleric and you are looking to boost your melee damage with smites.I was thinking 5 lvls monk to begin with - for 2nd attack - and then 3 levels war cleric - for some extra utility and healing spells. Damage wise this build slaps, tavern brawler STR monk is literally BIG damage, but I want the guy for frontline. The problem I am having is that this build is very stat hungry.The Fed has "achieved the maximum pressure" needed to bring inflation down, JPMorgan Asset Management's Bob Michele told Bloomberg TV. Jump to The Federal Reserve can take a break ...CON save proficiency if taken at level 1. access to armor of agathys. (which synergizes well with tempest reaction; both dealing double damage to wet enemies), draconic resilience for a little more hit points and decent AC without armor. While wizard gets you: arcane recovery for a replenished 1st level spell slot after a short rest.Aug 30, 2023 ... ... (Tempest) Cleric and be successful in Baldur's Gate 3. ... BG3 Class Tier List. Aestus_RPG•1.1M ... Unstoppable Ranger Rogue Multiclass Build In ... For 5E rule (not BG3 specific but for TT) wiki's there are some non-official DnD tools available. Given they skirt copyright I wont link them. For BG3 specific spells, wait for the wiki to be updated. For the 11/1 Wizard Cleric build the split timing is up to you. Cleric 1 gets you some great buff like Bless and Shield of Faith.

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Hello and welcome back to our regular morning look at private companies, public markets and the gray space in between. This morning we’re taking a brief look at SaaS stocks ahead o...Tempest is, beyond the one maximized spell, a path into a melee-capable cleric, while light is all about crowd control - mostly controlling the crowds by burning them to a crisp. Pick whichever you want the most. As others have noted though, Light doesn't add much as a multiclass or a dip. Reply. aBitOfMooreAndGaiman.BG3 is the third main game in the Baldur's Gate series. Baldur's Gate III is based on a modified version of the Dungeons & Dragons 5th edition (D&D 5e) tabletop RPG ruleset. ... or a different cleric specialization, like Nature or Tempest. ... Good Gunslinger multiclass (the DnD Beyond/Mercer one) [5e] ... Tempest cleric 2/storm sorcerer X is a tried and true dnd combo. Just grab a few qol spells from cleric and focus on sorcerer and cha. I wouldn’t bother with 1 level of wizard as while the scribing mechanic is neat it will require either that head piece or being mad to make use of the wizard spells. InvestorPlace - Stock Market News, Stock Advice & Trading Tips Tesla (NASDAQ:TSLA) stock was trading at $108 at the beginning of the year... InvestorPlace - Stock Market N... Personally I think the standard 2 tempest cleric / 10 dragon sorc build performs a bit better if you want to nuke, but some of those level 5/6 wizard scrolls are fun to play with. A cleric with haste, even without twinning is still nice. I did try a 6 war cleric / fighter multi but it just made me want to reroll into paladin.

A community all about Baldur's Gate III, the role-playing video game by Larian Studios. BG3 is the third main game in the Baldur's Gate series. Baldur's Gate III is based on a modified version of the Dungeons & Dragons 5th edition (D&D 5e) tabletop RPG ruleset. Gather your party and venture forth!3. Cleric/Sorcerer. Even just a single level dip into sorcerer can be worthwhile, especially with the early benefits associated with various sorcerer origins. Divine Soul is probably the most synergetic with the cleric class, though a Tempest Domain cleric with some levels as a Storm sorcerer is also relatively common.a lot of flexibility. the three best Cleric multiclass builds. Paladin/Cleric. Sorcerer/Cleric. Bard/Cleric. Related: Baldur’s Gate 3: Cleric class and skills guide. three levels into Paladin ...There’s a petition with nearly 30,000 signatures to rename the city of Columbus, Ohio, “Flavortown” in honor of Guy Fieri, who was born there. In the wake of George Floyd’s murder,...Aug 15, 2023 ... 18:33. Go to channel · Tempest Cleric Paladin Multi Class Baldur's Gate 3 Build Step by Step Guide [BG3]. Khuromus•18K views · 34:38. Go to ...Quick Disclaimers. Here are our rankings for the best multiclasses in Baldur’s Gate 3: Play the way you want! In BG3, you can respec anything besides race, …r/BaldursGate3. A community all about Baldur's Gate III, the role-playing video game by Larian Studios. BG3 is the third main game in the Baldur's Gate series. Baldur's Gate III is based on a modified version of the Dungeons & Dragons 5th edition (D&D 5e) tabletop RPG ruleset. Gather your party and venture forth!Druid/ Tempest Cleric multiclass. Help me out, stat nerds. I am playing a Circle of the Land druid and am trying to maximize the Lightning Charge equipment. My druid is currently level 6 and knocking around the Underdark. I find that the class is viable, though I have to abuse rest a lot to renew my Spike Growth spells.9/3 Cloud Peak Mystic (9 Land Druid, 3 Tempest Cleric) Pros: Is still a full caster with access to 6th level spell slots, all spells scale off of WIS Cleric provides Aid to give Druid minions more HP buffer WIS-scaling Command from Cleric is a great tool for a controller Druid, along with Blindness for ranged enemiesDiv or Abj wizard 6 / (tempest) Cleric 2, (storm) Sorc 3. Maxing INT, use sorc and cleric spell slots for utility spells like shield, mage armor, and bless, and use wizard slots and scribing for offensive spells. Div or abj wizard 6+ gives stronger features than sorc 6+. 3 levels gives you pretty much all you need from sorc--level 1 subclass ...HUGE DAMAGE Cleric Multiclass Build | Baldur's Gate 3 - YouTube. ImDinoLuke. 2.39K subscribers. Subscribed. 1. 45 views 3 days ago. Tempest Cleric is …

6 tempest cleric 6 storm sorcerer is arguably the most powerful with 2x divine wrath per long rest. Limited only to level 3 spells tho. I've actually gone 5 cleric / 7 sorc to open level 4 spell slots , cast spirit guardian , shoot lightning bolts everywhere quickened & twinned while flying around/through packs of enemies.

Applied XLabs is a new startup building tools that can automate data-gathering for journalists — and eventually, for knowledge workers in other industries. The company is emerging ...The core of the build is heavy armor proficiency from lv 1 Ranger, Dual Wielding Style from lv 2 and Dual Weapon Fighting perk at 4. Start with 16 str (and 16 con if you can) and you can deal heavy damage, tank and even pack some versatility while your at it. For spells I run Hunter’s Mark, of course, and Long Jump, but honestly, Hunter’s ... Absurd Lightning Damage - Tempest Cleric 2/Storm Sorc 10 [edit | edit source] Storm Sorcerer is typically viewed as one of the weaker subclasses in 5e, and many are hoping to see it buffed in BG3. However Larian has a homebrewed rule in BG3 Early Access that causes lightning damage to do double damage against targets which are "wet." And when a ... As a tempest cleric you can maximize thunder and lightning spells and deal damage with them comparable to a wizard. First standout is shatter at spell level 2. With the tempest ability you have a 24 damage AOE at level 3. For a fitting deity you can pick Tempus. But he is a very evil in the lore. A. 6 Storm Sorcerer/6 Tempest Cleric, 10 Tempest Cleric/2 Evocation Wizard, 6 Vengeance Paladin/6 Fiend Warlock, 10 Sword Bard/2 Vengeance Paladin, 8 Lore Bard/4 Thief Rogue. B. 8 Battle Master Fighter/4 Wildheart Barbarian, 6 Sword Bard/3 Battlemaster Fighter/3 Assassin Rogue, 8 Hand Monk/4 Berserker Barbarian, 10 Oathbreaker Paladin/2 Fighter ...Hey all, sorry for the pun. I’m bringing you another guide, this time Tempest Cleric/Storm Sorcery multiclass. This one has been requested quite a bit. (posting on mobile while traveling, sorry for bad formatting. I’ll be actively editing and fixing it!) Combining the Tempest Cleric's ability to maximize Lightning … See moreCleric suffers from success. You can easily play as a any domain cleric and have shart be a different domain and have each feel different enough without multiclassing. For instance one could be tempest and the other war. Or one light and one life. For me, knowledge domain is the most fun face character cleric if you’re playing honor mode.

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CON save proficiency if taken at level 1. access to armor of agathys. (which synergizes well with tempest reaction; both dealing double damage to wet enemies), draconic resilience for a little more hit points and decent AC without armor. While wizard gets you: arcane recovery for a replenished 1st level spell slot after a short rest. Spores druid get their reaction from their subclass so Light and Tempest may clash with that as their level one ability is also a reaction. War cleric can enhance your melee prowess, but otherwise any of the other domains can provide the utility you want depending on what you are looking for. 4. Reply. WorldWarioIII. When it comes to blasting, spellcasters are the way to go in Baldur's Gate 3. While Wizards are my first thought for creating a powerful damage-dealing spell slinger, …Light Cleric 12. Consider any three of the below: Light cleric8: wall of fire, feat, potent cantrip. Evoker2: allies can sit in wall of fire, you get conjure elemental, minor elemental, misty step, find familiar, haste. Spore druid2: you can use spore druid haste armor and shillelagh and thorn whip foos into your wall of fire and spirit ...This is one of the best combinations in Tabletop 5e. In TTRPG 5e, the Tempest Cleric has the Skill to once per short rest, deal MAX Damage to Lightning and Thunder Damage. If they keep this skill, you can Just give yourself a powerful Lightning and/or Thunder Damage Spell, and if the need arise upcast that spell and activate the channel divinity.Light Cleric 12. Consider any three of the below: Light cleric8: wall of fire, feat, potent cantrip. Evoker2: allies can sit in wall of fire, you get conjure elemental, minor elemental, misty step, find familiar, haste. Spore druid2: you can use spore druid haste armor and shillelagh and thorn whip foos into your wall of fire and spirit ... 1 lvl dip in life cleric, get bless, healing word and other healing spell. Then rest goes into warlock (don’t forget to take vampiric touch, as it synergies with life cleric) Stat wise go 10 str, 14 dex, 16 con, 8 int, 10 wis, 16 cha Healing with cleric spells is not optimized, but it can help in a pinch, but now you can go both for medium ... Going higher than level 1 means you lose fighter 11 which is worse than almost anything cleric can give you. Most people dip cleric cause it keeps spell progression and gives spellcasters armor, you have neither of those needs. The third answer is if you REALLY want to multiclass - fighter 11/ war cleric 1 for bonus action attacks would work. ….

While this build is primarily a Storm Sorcery-focused build, it will multi-class into the Tempest Cleric as well. The reason for this is because it gives access to heavy armor and shields, which will make you tankier, which is very good as casters typically lack constitution as they level up, and place their points fairly often into Wisdom and Charisma for the party facing, and their own ...r/BaldursGate3. Baldur's Gate 3. A community all about Baldur's Gate III, the role-playing video game by Larian Studios. BG3 is the third main game in the Baldur's Gate series. Baldur's Gate III is based on a modified version of the Dungeons & Dragons 5th edition (D&D 5e) tabletop RPG ruleset.#BaldursGate #BaldursGate3 #BaldursGateBuildsBaldur's Gate 3 The BEST Cleric Build Guide! INSANE REDMAGE Multiclass | Baldur's Gate 3For anyone wanting to su...Tempest Cleric/Storm Sorcerer is actually a fantastic multiclass. Maybe look into getting the best of both worlds. ... Obviously without a complete knowledge of how BG3 is handling those two subclasses or a full list of spells coming at launch, it's hard to know how well this multiclass will do, but in 5e, it's a good choice. ...Spores druid get their reaction from their subclass so Light and Tempest may clash with that as their level one ability is also a reaction. War cleric can enhance your melee prowess, but otherwise any of the other domains can provide the utility you want depending on what you are looking for. 4. Reply. WorldWarioIII.Nanowires and Carbon Nanotubes - Nanowires are wires with a very small diameter, and can be used to build tiny transistors for processors. Learn about nanowires and how nanowires w...early game, yes; I'd even say start with storm sorc -> 2 levels tempest cleric -> 1 wizard (for shield, mirror image, etc) -> keep taking sorcerer levels. but when you get to level 12, I'd respec to sorc 11/wizard 1 and drop the tempest cleric levels. you can wear helldusk armor if you're worried about AC, and the channel divinity thing is good ...Go 1 level of sorc for shield, absorb elements, and the subclass feature with the rest cleric, or go 2 levels Cleric for armor prof, bless, and channel divinity. I am currently running this character in my campaign. My build is somewhat unique because of the stats I rolled but here goes. Currently lvl 10 by the way.Sep 22, 2023 · The Tempest Cleric's Destructive Wrath Channel Divinity will make your lightning spells deal maximum damage, which is then doubled when you inflict wet status on a target. At level three, with a spread of two levels in Cleric and one level in Sorcerer, you can deal 48 damage in a single turn with Chromatic Orb . Bg3 tempest cleric multiclass, Best. Add a Comment. Technical_Space_Owl. • 4 mo. ago. Tempest Cleric is about spamming lightning spells and swords bard is about using melee or ranged flourishes. You could do Lore Bard and Tempest Cleric or War Cleric and Swords Bard. Bg3 specialization > versatility. But you can always play on Explorer and make whatever RP …, Food stamp overpayments occur as a result of clerical error, failure to report additional income in a timely manner and in some cases fraud. There are several ways to repay the gov..., , Dexterity – 12. Constitution – 15 (+1) Intelligence – 14. Wisdom – 17 (+2) Charisma – 8. Baldur’s Gate 3 – Zero Punctuation. Baldur’s Gate 3. BG3. Auntie Ethel’s Teahouse Is A ..., The sorcerer falls into a common trap for many D&D 5e cleric multiclass builds. They rely on different spellcasting ability scores. Sorcerers use Charisma for their spells, whereas clerics rely on Wisdom. With how rare Ability Score Improvements are, a class has to focus on one ability score for much of the game., Plenty of multiclass options. Radiance of the Dawn does scale with cleric level, so depending on how fundamental that is to how you play your light cleric, you can be flexible. There's a strong argument to be made for multiclassing after level 5 or 7, once you've gotten Spirit Guardians and/or Guardian of Faith., Progression - This is the basis of how the build develops. I started as a cleric and took 4 levels until I got the Polearm Master feat. At this point, I'm playing the character like a fairly typical melee Tempest Cleric. I take cleric spells that protect me, like Shield of Faith, and small heals like Healing Word., American Airlines will load four new regional-focused flights over the weekend, two of which connect to a new dot on its route map. Small regional airports are big winners in Ameri..., , Tempest Cleric 1 gives you heavy armor and shield proficiency, so you're plenty tanky without worrying about dex if you don't want to. Tempest Cleric 2 gives you channel divinity for the max lightning damage. If you continue on sticking to purely Tempest Cleric, you'll be fine. But if you want to multiclass in to sorcerer, you should take 10 ..., Tempest Domain is a Subclass of Cleric in Baldur's Gate 3. Clerics primary ability is Wisdom, their saving throw proficiencies are Wisdom, Charisma and they have a Hit Dice of 1d8 per Cleric level. They have proficiency with All simple weapons and with Light armor , medium armor , shields. The Tempest Domain subclass adds Martial Weapon , Heavy ..., Baldur's Gate 3 Lightning Sorc & Tempest Cleric = UNSTOPPABLE! Enjoy!Support us on Patreon: http://bit.ly/1FUac4SLegendary Staff: https://youtu.be/bb2WOlV3_C..., 2 levels in Tempest Cleric and 10 levels in Sorcerer guide. If you like power gaming and are interested in another build that focuses on outputting insane amounts of damage on a single target and can solo bosses, check out my BG3 paladin warlock multiclass build.. This article will break the build down level by level and tell you exactly …, Light Cleric 12. Consider any three of the below: Light cleric8: wall of fire, feat, potent cantrip. Evoker2: allies can sit in wall of fire, you get conjure elemental, minor elemental, misty step, find familiar, haste. Spore druid2: you can use spore druid haste armor and shillelagh and thorn whip foos into your wall of fire and spirit ..., Best Tempest Cleric Build - Baldur's Gate 3 (BG3) A-Tier. By zanuffas. Last updated: 5 September 2023. Comments. In this post, we will go through Tempest Cleric …, You can 100% build a dexterity based Tempest Cleric. You can do DEX for any Cleric subclass. But Tempest is very clearly pushing you towards STR. Heavy Armor, Martial Weapons, Reaction that blasts lighting at foes that dare hit you, Divine Strike, etc. Mostly the Heavy Armor. With Heavy Armor the only combat benefit DEX gives you is a bonus …, 1)Tempest cleric. I believe once you finish act 1 this is the strongest cleric domain. You get everything you want in underdark and creche. As the result you get a good mix of frontline, control, blasting and offensive support (however, almost no defensive support)., Aug 13, 2023 ... Comments42 ; Multiclass MISTAKES To Avoid In Baldurs Gates 3 & Best Multiclass Builds! (BG3 Multiclass Guide). NorZZa · 288K views ; Best FEATS You ..., Depends on how they reworked the Monk. Cleric is arguably one of the better matches for Monk, if you were to multiclass out of it. PnP Monks don't gain much past their subclass feature on level6, maybe Evasion on level 7. If the ki economy is better in BG3, I could see Monk 5+ / Cleric 3+ as a a great build. Reply., Clerics highly defensive support casters BG3 moderate damage, Tip: Losing access to the level six spells Heal and Heroes’ Feast spells is quite significant, which any Cleric multiclass will do ..., Eldtrich Knight Fighter 1/Your Choice Wizard 11- Armored Battlemage. Knowledge Cleric (Mystra) 6/Wizard 6- Mystic Theurge of Mystra. Paladin 6/Sorcerer 6- Magic Knight. College of Swords Bard 12- Fancy Rogue/Duelist, College of Lore if you'd rather focus on the more caster aspect of the Bard. Even though he's defaulted as wizard he could easily ..., Going higher than level 1 means you lose fighter 11 which is worse than almost anything cleric can give you. Most people dip cleric cause it keeps spell progression and gives spellcasters armor, you have neither of those needs. The third answer is if you REALLY want to multiclass - fighter 11/ war cleric 1 for bonus action attacks would work., ranged throwing attack. best multiclass builds in. mastery of ranged weapons. Baldur’s Gate 3. Baldur’s Gate III. Learn more. Honor Mode is the ultimate challenge of Baldur's Gate 3, and these ..., Thanks for any help :D. 10 Storm/2 Tempest is a very common blaster build in the meta. Markoheshkir is the must-have item. Sorcerer is powerful with metamagic, especailly twin chain lightning. Tempest Cleric further boost the damage with Destructive Wrath. act 3 is the wrong thing to worry about tbh, it’s act 1 and maybe 2 where you are at ..., Tempest cleric with Call Lightning seems pretty spicy. Nature domain could also be pretty sweet. Can pack shilleghlah on a quarterstaff and a shield, dump strength, and have a decent melee back up plan without needing to put …, Baldur's Gate 3 Cleric Build Guide - Early Game Cleric Builds (Tempest Cleric, Light Cleric and War Domain Fighter)In this Baldur's Gate 3 Guide, I'm going t..., r/BaldursGate3. Baldur's Gate 3. A community all about Baldur's Gate III, the role-playing video game by Larian Studios. BG3 is the third main game in the Baldur's Gate series. Baldur's Gate III is based on a modified version of the Dungeons & Dragons 5th edition (D&D 5e) tabletop RPG ruleset., A 6/6 seems perfect for tempest clerics well until you get that one amulet from robbing from the temple in act 3. After which I say a 10 evo /2 tempest would be better for evocation class feature you get at level 10. Though if you want to keep the 6/6 split that works too you will have 3 nukes as a tempest cleric., ranged throwing attack. best multiclass builds in. mastery of ranged weapons. Baldur’s Gate 3. Baldur’s Gate III. Learn more. Honor Mode is the ultimate challenge of Baldur's Gate 3, and these ..., Jan 6, 2024 · The Cleric class in Baldur's Gate 3 gets a lot of powerful features in its first few levels, making it a common pick for other classes to multiclass into. What's less common is for Clerics to take ... , Innovation begins with the classroom. My public high school didn’t have air conditioning. Come June, when temperatures in New York soared past 90 degrees, it was a chore to pay att..., BG3 is the third main game in the Baldur's Gate series. Baldur's Gate III is based on a modified version of the Dungeons & Dragons 5th edition (D&D 5e) tabletop RPG ruleset. Gather your party and venture forth! ... yes; I'd even say start with storm sorc -> 2 levels tempest cleric -> 1 wizard (for shield, mirror image, etc) -> keep taking ..., Food stamp overpayments occur as a result of clerical error, failure to report additional income in a timely manner and in some cases fraud. There are several ways to repay the gov...