Talk:'Borrow' a substantial sum of moon-pearls/@comment-70.122.163.254-20160114012315/@comment-69.158.105.34-20180829233955

Technically speaking, you can also grind up Heartless via the KNAVE OF REGRETS card that appears at Unaccountably Peckish 8 or higher - this option can raise Heartless up to 15. Of course, SMEN has its own perils.