How do card bonuses stack?
We apply all the percentages to the base rate not the modified rate. If your gathering rate is 0.5 and you get a 15% bonus, it becomes 0.575. Easy enough. However, if you get an additional 15% bonus, it does not affect 0.575, but it is calculated based on 0.5 and then added to the existing bonus. So getting three different 15% bonuses would increase gathering from 0.5 to 0.725 (0.075 added three times) rather than 0.760 (which is what you get if you keep multiplying the product by 15%). The reasons we do this are a little arcane, but they allow you to apply both addition and multiplications to rates without worrying about the order of operations.