I'm going to setup a new website, and would like to use XenForo. This website is all about user interaction -- if an user contributes content, she is awarded credits. A sufficient amount of credits allows access to privileged forums and/or files. If the user does not contribute, she might purchase credits. Sufficient credits again give access to the privileged forums and/or files. I couldn't find a list of features, so I thought I'dd ask them here: Does XenForo award users credits for certain actions, and can these be configured? I read about the Throphy system, but I couldn't pin-point where and how the actual configuration is done. Does XenForo allow access to privileged forums and/or files based upon a certain amount of credits? In case a user has insufficient credits to access a forum and/or files, does XenForo allow a user to purchase additional credits in order to gain access? If e-commerce is supported, which payment processors are supported out-of-the-box? Does XenForo allow the default rich text editor to be replaced by CKeditor? These are my burning questions. Anxiously awaiting your input!