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It means you don't have enough pips and (or) you don't have enough mana.
Yes. though there might be a glitch if you try to do that, so I'd stay out of the topic altogether
No, Wizard101 has no viruses if you install it from Wizard101.com
Don't, it's useless. Wizard101 is protected against hacks, so even if you found the rank hack download, you will regret it as it doesn't work.
There is no such thing, as Wizard101 is a game for children 10 +