The Factor's Guild is the organization tasked with training Men and Women of Business for the world.

A Factor is a person who is adroit at handling finances and financial matters, usually on behalf of other people.

Factors begin as apprentices and most work in Factor Houses, which provide factorial services to large clients. After a while they may make their Journey status and be allowed to tend to individual clients.

Finally a factor is named a Master/Mistress when they pass a series of gruelling tests, face a verbal challenge panel of Master Factors. Sometimes a Factor is named Master or Mistress after a particular innovation which saves time and / or money.
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