Dear John many thanks for the quick reply. That is a really good idea to integrate the Style or Role into defining Expert or Prepared. Thanks for the clarification. There is a lot more depth in this document than it appears...
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I can see that both keywords "prepared" and "expert" are in bold in the document, yet they are not defined in the rules. Are we to assume that it is the GM who makes the decision whether a player is "prepared" or an "expert" for the situation? Thanks for the confirmation.