"I have a plain flat single picture ref with a simple background (Name, age and other details are optional and free) like this one: [link], which would be $12 or 960 points; Then I have got ref's like this one which have a single shaded character with a nice background (and the option for bio's and extra information) which would be between $15-$20/1200-1600 points, depending on the complexity of the" . . . .