ノート:サモンナイト

Ok some questions from an englishspeaker who tries to figure out stuff about this game.

1. Do your characters suffer any penality if they die in a battle?

2. What do the stats AT (Attack Power), DF (Defense Power), MAT (Magic Attack Power), MDF (Magic Defense Power), TEC (?Techinique?), LUC (Luck) do? I would be especially interested in what Tec does.