28k ?! wow , that's a hell of a farm xD .. forced probably .
anyways . for bard :
max all 1st line , the passives .
max all 2nd line , atks [your main skills] . except for mana switch .. recycle does better work .
max all 3rd line , all useful for party .
do not max anything for the 4th line , they all are not so useful , you could fun-skill Temptation but that's it .
max 5th line except for mana wind [get it to 8] and rave melody is not so useful for pure ints .
6th & 7 must to max .
[all taken from this guide :
viewtopic.php?f=5&t=88001 , with my words in it >.>]
way longer to explain about the cleric so just take this :
viewtopic.php?f=5&t=107139peace .