I will show you how to calculate your maximum death penalty its very simple to calculate it, i was curious so i just experimented a bit,... i replied this to a post too, and than thought i might put it in here too,...
here is where i replied in short, the idea behind it:
http://forum.cabalonline.com/showpos...09&postcount=6
(here is where i replied it in "guide-style" coz i thought some people would like it as a bit of something more detailed)
http://forum.cabalonline.com/showpos...7&postcount=12
all credit goes to me,... ;-p if someone could verify this for other classes too, and maybe post screenshots,...
i will probably do that later too (when im bored enough to get over 600 death penalty again, coz i just got rid of the dp and i dont think i got screenshots from when i did it, (or theyr somewhere between over 300 screenshots of accountsellers/botters in my screenshot-folder (in the last 4 weeks or so), and im too lazy to scroll through em all to find the right ones )

step one:
take off all gear that gives hp or mp bonus (to make it simple, take off all gear, including board/epaulet/... too)

step two:
press "C" and than go to the tab "upgrade skills"
stand with your mouse on the vitality mastery skill and read the number thats written there
if you have the mana upgrade skill, remember that number too

step 3:
look at your hp now,
do that number minus the number of hp you gain from your hp-upgrade skill
the result you get is your "net cabal alz of hp"
this amount is used to calculate your death penalty
do the same for mp if you want to know your mp death penalty too (if you got a mana-upg skill)

step 4:
multiply the net amount of hp you have calculated in step 3 by 0.4
the result you get now is the maximum cabal alz of death penalty you can get for your hp at your current level
the net amount of mana you have, multiply that by 0.4 to get the max mp death penalty you can get

example:
lets say you have 3200 hp when you have your gear on