🚀 go-pugleaf

I have a few questions with Wiz 7:
1) I have been told that to get to the dungeon with the holy work, you
have to use the moonstone on the statue in New City. Where do you get 
the moonstone?
2) I put the jewels that I found in Munkharama into the urns.  All that
happened was that the jewels disappeared. What gives?
3) In the North-East corner of Munkharama, near the spindle, there is a
ladder that goes down into a kind of dungeon.  Is there a purpose to this
structure because I found nothing down there.
4) What is the polar bear thing that I found in Munkharama for?
5) When i go to certain places (Old City, Orkogre Castle) the things I 
am supposed to find in chests have already been taken by people there
before me.  What can I do to get ahead of these people and to find the
things that they took?
That's it (for now :)) and I greatly appreciate any help you can give me.
(spoilers more than welcome!)

John M.