Dying occurs when you drop below 0 hitpoints. When this happens you leave your body and become a ghost. You must then go back to the endoplasmatorium or church and "regenerate". When you regenerate you will have lost 1/4 of your experience, all of your money, and all of your possessions. The money and possessions will still be on your corpse, which (if it hasn't been picked up by another player) will likely be wherever you got killed. When you regenerate you are automatically raised back up to your maximum number of hitpoints, and you are put at the appropriate level for the amount of experience you have. Some guilds, magic items, etc., might affect how much experience is lost by dying. It's probably a good idea to use "wimpy" to decrease the chances of an untimely death. See also: guilds, score, wimpy.