Players can form a collective of warriors, battling against enemy players for gold, weapons and rewards, and to improve their character's status within the game, a process known as "levelling up".

玩家可组队与敌人对战，获得金币、装备和经验，进而提高角色能力及等级。

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But levelling up the capital requirement, rather than levelling down, has revealed a shortfall in some banks.

BBC: UK banks 'still short of capital', says BoE

Levelling up still happens, and just as in an orthodox Lords Management game each new level offers a skill point which can be placed in one of three available skills.

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The report, which argues that comprehensive education has achieved "levelling-up" rather than levelling-down, is the collective work of eight academics.

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