If you started with 25 AP and now have 10, you can bid up to 25. If you started with 25 AP and now have 35, you can bid up to 35.
"Minor" charactersdon't have this luxury. If Timmy the NPC trollkin only has 2 AP left out of his 6, then the most he can bid is 2.
It's one of the ways that HW separates "heroes" from the plebian herd, and makes no apologies for it.
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