Terry

Terry is an NPC in Moonhaven (@jump 216 230).

Q) Why isn't he talking to me?

You have to do the first and second pinnacles first.

Pinnacle
Q) What are those? Q) If I get both, what's next?

Then Terry will talk to you, and you can buy a favour for 10 Mercies each.

Mercy
Q) How to get mercies?

From your path keeper

Q) How much to they cost?
 * Costs 1/5 of a pinnacle
 * Example: The One Path pinnacle is at 100,000 points. 1/5*100,000 = 20,000 points (for each mercy)

Delights & Favours
Odin's Delight: Lets you purchase an Odin's Blessing from your path keeper. The amount needed depends on the blessing desired.

Odin's Favour: Lets your purchase an Odin's Grace from your path keeper. The amount needed depends on the grace desired.

Price at Path Keepers
A Favour or Delight costs 10 Mercies (tradeable), which can be purchased from your path keeper. It will only work if all 10 Mercies are of your character's own path.