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Then I stand corrected.
IRE is still not misleading itself when it declares itself as "free to play". Limitations must only be posted if they only pertain to not being able to play for free during any point of the game. That does not happen in IRE games, but does so in the other games mentioned. Again, there is never any sort of fee you must pay to play an IRE game.
And you certainly can't call a MUD that is "technically free to play" as being misleading when it advertises itself as much.
No, they don't require payment for anything. If their most powerful character didn't pay anything at all, then he was not required to pay for competitive play. Yes it certainly makes the game uneven for those who do not wish to pay for credits (which is why I don't play IRE games), but it still does not make it misleading to advertise as free to play.
A few posts after Zhiroc's, The_Logos explains that there are other ways to obtain credits for free.
Taking it strictly by a leveling up point of view you are correct in your 95% estimate . However there are other ways to obtain credits without the need to pay, as can be seen by the most powerful IRE character not having to pay a dime on spending any credits.
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