I think you probably just ran into this bug: https://andorstrail.com/viewtopic.php?f=3&t=6209. If this is the problem, and you are familiar enough with using a binary file editor, then spic explains what to do to to fix the problem. If you are not comfortable doing this (and many people would not be), PM me.
Maybe, but also you must have gold with you.
I forgot the exact amount - 1000? 2000?
Something like that. But if you don't have that yet, then you are still too weak anyway, I suppose.
_____ Nut: Lvl 61, HP 103, AC 273%, AD 32-41, CHS 67, BC 159% WA 3, Do 5, BS MC 1, CS 2, IF 1, Reg 1, WP 1, S 1, AP L 1, RoLS Anwyn: Lvl 52, HP 126, AC 221%, AD 28-36, CHS 27, BC 119% Do 4, CS 2, IF 3, Ev 2, Reg 1, Ta 1, RoLS