Phantasy Star Online Episode I & II

Get the Dressing Room
To unlock the dressing room, you have at least 10,000 Meseta in your inventory.
If you have 10,000 Meseta in the bank and less than 10,000 Meseta in your inventory, you can't get to the dressing room, but if you have 10,000 meseta in your inventory, you can.
If you have 10,000 Meseta in your inventory, you can access the dressing room from the menu that comes up when you select your character from the character select screen. Select “Dressing Room”, and it’ll ask you, "It will cost 10,000 Meseta to make this change, is this OK?" and then you select “OK”.
(Thanks to jerseychic@hotmail.com)

Unlock Hard Difficulty
Finish either episode under normal difficulty to receive hard difficulty for both episodes. You need to get to Level 20 or higher to receive hard difficulty in online mode.
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Unlock Ultimate Difficulty
Finish either episode under very hard difficulty to receive the ultimate difficulty for both episodes. You need to get to Level 80 or higher to receive ultimate difficulty in online mode.
(Thanks to jerseychic@hotmail.com)

Unlock Very Hard Difficulty
Finish either episode under hard difficulty to receive the very hard difficulty for both episodes. You need to get to Level 40 or higher to receive very hard difficulty in online mode.
(Thanks to jerseychic@hotmail.com)