Sneak = allows you to vendor with anyone as long as you are behind them and get a successful sneak off. This allowed my Iksar Monk to purchase his very own Tink Bag from those spiteful gnomes in Sol A
FD = allows you to bank with bankers that normally hate you. FD does not allow you to vendor with merchants. Bankers will still beat-up on you as soon as you stand-up from FD if you are within range
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