lol. Because GameFAQs.com is picky about linking, I can't give you the link directly to the guide, but I can to the list.
http://www.gamefaqs.com/computer/doswin/game/27326.html
One of the guides on that page will have a list of "fate points". The guide will explain it better than I could right now (my mind's still smoking after a recent, page-long bug report for BD 1.43). It'll be worth it to dig and find it.