This isn't anything new, and it was talked about in the GM Toolkit, but how many of you allow players to bank advances and spend them during play?
The GMT example uses a character hanging over a cliff edge about to fall into the river wanting to spend an advance to train swimming then and there. Using the rationale that just because he's never swam before doesn't mean he can't swim or doesn't know how to explain spending the advance. It could be used in any number of ways, including training research skills "Sure, I haven't gone reading tomes about ancient Lahmia, but I do know how to read".
Are you allowing this? In what capacities if so? I'm planning on allowing it from time to time (with good rationale/RP) for skill training/specialization, but probably not for stat/wound/action card buys. I might allow it if the action card sought fits the narrative perfectly, but otherwise planning on leaving it as skills.
Thoughts/experiences?