Re: Keys in the bank: back in the day you had to actually have the key on your cursor and click the door (or press your "U"se key on the keyboard) to zone in to OS / HS etc. So a key in the bank wouldn't grant you access to the zone anyway. This was changed later, of course. Due to this, my recollection is that a key in the bank stayed in the bank, it didn't appear on you when you died.
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-Bumamgar
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