An Orc (so -10% effect) But here it is, a bit over 3m points.
Alchemy 150,000 +20.6% Income
Tools 356,900 +22.7% Building Effectiveness
Housing 450,000 +15.3% Population Limits
Production 230,000 +109.6% Food & Rune Production
Bookkeeping 6,342 -3.6% Wage Reduction
Artisan 170,000 -12.5% Construction Time
Strategy 150,000 +11.8% Defensive Military Efficiency
Siege 400,046 +16.8% Battle Gains
Tactics 345,800 +17.9% Offensive Military Efficiency
Valor 50,000 -8.5% Military Train Time & +8.5% Dragon Slaying Strength
Heroism 38,205 +5.9% Draft Speed & -5.9% Draft Costs
Crime 300,401 +75.0% Thievery Effectiveness
Channeling 33,693 +30.7% Magic Effectiveness
Shielding 300,000 -16.7% Damage from Enemy Thievery and Magic Instant Operations
Cunning 13,282 +3.5% Thievery and Magic Instant Operation Damage
Invocation 133,700 -13.9% Ritual Rune Cost