Is there a more direct path to give new characters what they would receive if test center was turned on, without turning test center on in the configuration file?
 
You can comment out line 724 of Scripts/Misc/CharacterCreation.cs . This would fill the bank box of characters even when TC is off. Another route would be to edit the method FillBankbox of that same script and change its access level to Public. This would allow you to call that method from a command, gump, or what have you to fill a mobile's bank box on demand.
 
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