Loot Reduction
Loot drop ratio and experience from slaying creatures drops when the difference of levels between the player and the creature is high enough.
For loot, it starts after the player is five levels higher than the creature, and it drops until the ratio is 50% of the full ratio. For experience, it starts after the player is five levels higher and drops to zero.
The formula for the multiplicative modifier for experience or loot ratio is as follows:
1 - If player level is equal to or less than monster level + 5
modifier = 1
2 - If player level is greater than monster level + 5
2.a - Loot
modifier = 1 / 1.2 ^ (playerLevel - monsterLevel - 5)
or
modifier = 0.5
whatever is greater
2.b - Experience
modifier = 1 / 1.2 ^ (playerLevel - monsterLevel - 5)

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