If you want to ride a horse with the normal gift, then you'll either
need to use spells (which may warp the horse, just saying) or tame a
magical/fae horse.
+
+# Expenses
+## Points of Inhabitants
+
+I'm using this slightly mashed up chart to replace the one on p63 of
+*Covenants* to represent the two-tier structure of the Covenant. PCs
+should be free to argue that they ought to be in a different band
+*in-character*. Note that for companions this only covers ones
+supported by the covenant, companions of independant means get LCM as
+appropriate.
+
+[[!table file="points.dsv"]]