I'll expand on this a bit tomorrow when I have time or once I see how much interest there is in it...
My opinion for a while has been the fortune teller is pointless, almost useless to most people, a lot of people level hold anyway.
Switching it from percentage till levelling up to percentage of crime exp till you reach the next natural NB would be a lot more use to most people in the game.
Nobody would want to hold a low NB, where as almost everyone in the game at one point or another has held level, after level 15 (when you can begin to fly to even use a fortune teller), people begin to become less interested in levelling up.