[Black Wolf]

I really like Depths of Peril. It makes a nice change from all the childishly easy Diablo clones this genre is noted for. I have a question about the experience debt applied upon respawning.

Does the debt only apply to combat experience or does it cut into your quest rewards as well? I haven't really thought about it whilst playing but it strikes me that it might be more advantageous in terms of experience yields to fight off your debt before claiming quest rewards.