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