These two particular rows drew my attention as well, but I didn't think of "bris" and "risk". At first, I thought that maybe "tool" is "&TT2" from &TT2&E. But, then the OP clarified that it is not a simple substitution ('&'='t', 'T'='o' etc.). Then, I was trying at different silver card placements, until I hit the 6th. Then, I started checking silver characters and where they point, and it was a matter of time until all words fit.

You lost me here. I did figure out that wE~T is seat, but I couldn't figure out what's 'L' and '1'. Why did you turn them into 'a' and 'b'?

• 'a' points to L, top right.
• 'b' points to '1' top left

How did you conclude the "top right" and "top left"?

Very good opponent. See you at the next puzzle! <Evil laugh>

If you solve the next one, it's two life changes, so make sure to dedicate all your time.