yep bard gets +4 to all songs with 95 galljahorn and AF3 legs, not to mention +5 on the 99 version & legs.

so at 95,
balad = +5 refresh
ballad II = +6
ballad III= +7

with the durabala you can have 3 songs active AND have the galjahorn bonus active on all three of them.
that gives you a 18 tic refresh at 95, and a 21 tic refresh at 99. and you can even Marcato your ballad III to make your 95 ballad III's give 10 MP, and your 99's 11 MP, so the maximum ammount of refresh you can have at any given level via ballad alone at

95 : 21 Tic refresh
99: 25 tic refresh

so yea........ thats pretty intense mana regen. and not to even consider mentioning soulvoice.... idk how much it actualy ups refresh but im willing to bet its 50-100% increase.

so your looking at 31-42 Tic refreshes at 95 with soulvoice >_>

god... tired of typing lol.... NEEDS MOAR REFRESH III >:Q