In a ghetto KD i'd give a Halfer Merchant a serious thought, make sure they play with a very good TPA, 100% elite and larger than the kd(2x?).

In war I'd get them to play as the bank but also massacre the opposition mages, as long as they are a respectable ammount larger than the kd then they aim for ones where they don't send out too many, i.e leave more at home than the largest off in the opposition kd. No need to use rax and worry about attack times, with no hosps they wont be expected to attack as often as others. they can't hit a mage than consider razing the oppositions smallest to help your kds smallest to get easier gains.

As it's a bank it'll need a good peasentry and income, the halfers +5% population is nice and with the capability of running a lower DR and homes then they can have a very nice daily income, oow they can look to steal GC and stockpile. Also being a ghetto you will not have the same support as more active kds could give, useing the halfers thievery benefit to help in SoT blocking can give you the luck needed to avoid a hit.


I wouldn't put much faith in a sage for a gheto bank, esp if they run larger than the kd, they become free learn hits for others.