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I haven't found this skill to be any advantage whatsoever. Even if your mercantile skill is up, if you lower a price on goods you are buying, the merchant will refuse your offer and their disposition will go down.
I've found that you get better prices, both for buying and selling, if you bribe a merchant with $100 because more than likely, their disposition will go up. I always save before I do this because every once in awhile, you will find someone who will be offended by the offer and their disposition will go down.
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