Okay here's the equation.
Referrer and referree relationship.
Every two levels the referree gets, they can grant one level to
the referrer's toon. Accumulative.
So if referree gets to 60. She/he can grant 30 levels to
referrers toon.
And if me and Jo get two toons to 60. She will have 60 levels
stored, so I can create a third toon to get to 60.
Also, I have two toons at 60, which means I also have 60 levels
stored, which I can grant to one of your noob toons El.
That is, if I've read the FAQ right.