find another 49+ mage (assuming you're one) and a lvl 12 mage.
make that lvl 12 mage bind at zone-in.
all three of you swim to phinny's lair.
all three of you get pet up, lvl 12 mage aggros seahorses, gates to entrance bringing the train to him.
you/other mage pull phinny up. chain pet til he dies.
keep you're 20k.
you're welcome.
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