If you have ever spent much time working up your character's level in the various virtues, you might want to check out this thread in UHall that discusses the impact of recent changes to how/when your character's level in a virtue decays:
http://vboards.stratics.com/uhall/251634-new-virtue-system-sucks.html
http://vboards.stratics.com/uhall/251634-new-virtue-system-sucks.html