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Hmmm I must be missing something but I was under the impression that the level cap thing isn't at 40 but is related to your level and the levels you learnt the various ranks of the spell at.
In particular the % you get in terms of this downranking change is given by the formula:
100% * min(1,(SpellLevel(min(Rank+1,TopRank))+5)/PlayerLevel)
Where TopRank it the top rank for the spell, Rank is the rank of the spell you're after, SpellLevel(X) is the level you learnt the Rank X of the spell and PlayerLevel is of course the Player's Level.
(Further penalties still apply for spells < Lvl 20)
An example with Healing Touch at level 60:
Healing Touch Rank 4 (Lvl 20): 100%*min(1,(SpellLvl(min(4+1,11))+5)/60) = 100%*min(1,(26+5)/60) = 51.67%
Healing Touch Rank 5 (Lvl 26): 100%*min(1,(SpellLvl(min(5+1,11))+5)/60) = 100%*min(1,(32+5)/60) = 61.67%
Healing Touch Rank 6 (Lvl 32): 100%*min(1,(SpellLvl(min(6+1,11))+5)/60) = 100%*min(1,(38+5)/60) = 71.67%
Healing Touch Rank 7 (Lvl 38): 100%*min(1,(SpellLvl(min(7+1,11))+5)/60) = 100%*min(1,(44+5)/60) = 81.67%
Healing Touch Rank 8 (Lvl 44): 100%*min(1,(SpellLvl(min(8+1,11))+5)/60) = 100%*min(1,(50+5)/60) = 91.67%
Healing Touch Rank 9 (Lvl 50): 100%*min(1,(SpellLvl(min(9+1,11))+5)/60) = 100%*min(1,(56+5)/60) = 100%
Healing Touch Rank 10 (Lvl 56): 100%*min(1,(SpellLvl(min(10+1,11))+5)/60) = 100%*min(1,(60+5)/60) = 100%
Healing Touch Rank 11 (Lvl 60): 100%*min(1,(SpellLvl(min(11+1,11))+5)/60) = 100%*min(1,(60+5)/60) = 100%
So Rank 8, a level 44 spell only gets 91.67%, not 100%. Of course the new talents might compensate for this.
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