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This may be common knowledge but it seems unclear to me.
When crafting a magic item, do I need to be able to cast spells at the same level as the requirements, or is that a requirement I can disregard in exchange for a +5 to the crafting check?
For example I am level 4 and wish to craft a bag of holding with a caster level check of 9 - which requires me to be able to cast the spell secret chest, a level 5 spell, which I won't unlock until level 9. Am I able to craft the item in question early, or do I have to wait?