====== Insurance Exchanger Guide ======

This guide explains how to use the **Heart Merchant** NPC in **Prontera** to exchange old insurance items for the new **New Insurance** item, which offers more flexible protection against experience loss upon death.

===== NPC Location =====

- **Heart Merchant**:
  - **Location**: Prontera (82, 108)
  - This NPC allows players to exchange their old insurance item (item ID: 12209) for a new insurance item (item ID: 6413).

===== How to Use the Insurance Exchanger =====

1. **Talk to the Heart Merchant**:
   - The Heart Merchant will greet you and explain the benefits of the new insurance item.
   - You need to bring the old insurance item (item ID: 12209) to the Heart Merchant.

2. **Understanding the New Insurance**:
   - The old insurance item prevents experience loss on death but has a time limit of 30 minutes. In contrast, the **New Insurance** item prevents experience loss regardless of the time frame. However, it is consumed upon death.
   
3. **Exchange Rate**:
   - The exchange rate is **5 old insurance items** for **1 New Insurance** item.

4. **Proceeding with the Exchange**:
   - If you have the required items, the Heart Merchant will allow you to exchange up to **10 New Insurance items** at a time.
   - The NPC will confirm the exchange, and if you have enough old insurance items, the exchange will be completed, and the new items will be added to your inventory.

5. **Insufficient Items**:
   - If you don't have enough old insurance items, the NPC will inform you that you cannot proceed with the exchange.
   - You can come back once you have collected the required amount.

===== Important Notes =====
- **Weight Limit**: Ensure your inventory is not overburdened. The exchange will fail if your inventory weight exceeds the limit.
- **Exchange Limit**: You can exchange up to **10 New Insurance items** at a time, which requires **50 old insurance items**.
- **Item Consumption**: The new insurance item is consumed upon death, preventing experience loss.

===== Conclusion =====
Visit the **Heart Merchant** in Prontera to exchange your old insurance items for the more powerful **New Insurance**. Ensure you have enough items to make the exchange and enjoy the benefits of protection without the time limit.