Tertiary guild

1) Any guild you join or are already a member of once you advance to
    10th level in any other two guilds.  For example, if you start the 
    game as a bard, advance to level 20 bard, join illusionist, join
    entertainer, and advance to level 10 entertainer, your illusionist 
    guild will count as a tertiary guild even though you joined it 
    second.  Your tertiary guilds have no impact on your bulk or your 
    guild choices.  Even if the guild you join as a tertiary has 20 or 
    14 levels in it, you will only be able to advance to 9th level in 
    the guild.
    
2) Any guild which consists of only 9 levels.  There are some guilds
    designed specifically to be joined as tertiary guilds -- these guilds
    are duly referred to as 'tertiary guilds' and are completed in 9 
    levels.  There are some special rules that apply to these guilds.
    
    A tertiary guild only grants access to one specific skill or spell,
    and while the skill or spell is officially granted at level 9, you 
    may begin training it as soon as you join, as long as your race max 
    is over 40% (lower race maxes may require additional levels to reach
    the first 5% training). The amount you can train is based on your 
    guild level and your training max. Without fully completing all the 
    levels of a tertiary guild, you will only be able to train to a 
    certain percentage of your usual maximum. The maximum trained grows
    linearly up to 2/3rds the player's race max at level 8, always
    rounded down to the nearest 5%, with full race max training
    available at level 9. Wishes increasing the racial max are
    accounted for at all levels.
    
    Additionally, the gold and experience cost of training the tertiary
    guild skill or spell depends on the number of guild levels you have
    total, even those you have in other guilds!  Therefore, to ensure 
    the cheapest training, train the tertiary guild's skill to its 
    maximum percentage every time you take a level in the guild, 
    before levelling again.  As a rule of thumb, training costs will
    increase every 9 levels past level 34.
    
    Finally, tertiary guilds have one additional benefit -- the stat
    bonuses that they give are higher compared to taking levels in 
    non-tertiary guilds, with the only exception being your primary 
    guild.