For me its always a long while into the character's creation. All my characters are blank slates relatively. They have a history a story a basic goal, but they never live until that point when I go...
"there we are..."
...this may come after an insult or attack, after witnessing something evil, after witnessing a chance to make money, or seize power. But it is a clear definitive moment when I just smile and realize what the character was born to do.
...
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