Character creation guide

This campaign uses the GURPS character point (CP) economy grafted onto D&D 5E's ability scores and derived statistics. Choose your class and race separately from your CP spend; they define your Hit Die, proficiencies, and special features.

Start with 150 character points to spend. Advantages cost points, disadvantages give you more. The GM awards additional CP over the course of the campaign instead of XP.

Things that give you more points to spend are denoted with a negative number.

Ability Scores#

The six ability scores are Strength (STR), Dexterity (DEX), Constitution (CON), Intelligence (INT), Wisdom (WIS), and Charisma (CHA).

A score of 10 is free and represents the human average. Scores cannot go below 1.

CP costs per point above or below 10:

Ability Score	CP per point
STR	±10 CP
DEX	±20 CP
CON	±10 CP
INT	±20 CP
WIS	±20 CP
CHA	±10 CP

Hit Points (HP) (±2 CP per ±1 HP)#

At 1st level, HP equals your class's maximum Hit Die value plus your CON modifier. On each level-up, roll your Hit Die (or take the fixed average) and add your CON modifier (minimum 1).

You can purchase additional HP at 2 CP per +1 HP, or reduce your base HP for -2 CP per -1 HP.

### Speed

Base speed is set by your race, typically 30 ft. You can increase Speed at 25 CP per +5 ft. or reduce it for -15 CP per -5 ft.

Starting Wealth#

Above-average Wealth is an advantage; below-average Wealth is a disadvantage.

• Dead Broke (-25 CP): No money, no property beyond the clothes you wear.
• Poor (-15 CP): Starting wealth is 1/5 of the average. Few jobs available, none paying well.
• Struggling (-10 CP): Starting wealth is 1/2 of the average.
• Average (0 CP): The default.
• Comfortable (20 CP): Starting wealth is twice the average.
• Wealthy (40 CP): Starting wealth is five times the average.
• Very Wealthy (60 CP): Starting wealth is 20 times the average.

Independent Income (1 CP/level)#

A passive income source (pension, investments, rental property, etc.). Pays 1% of your starting wealth per level per month, up to 20%.

Debt (-1 CP/level)#

You owe money. You must make a monthly payment of 1% of your starting wealth per level, up to 20%. Failure to pay has in-world consequences that escalate with the creditor.

Skills#

Skills represent learned competencies. Each level of a skill costs CP based on its difficulty, and each level grants +1 to relevant checks. A character with no levels in a skill may still attempt it using just the governing ability modifier, at the GM's discretion.

To buy a rank in a skill you must spend 5 CP * the skill's level. For example:

In order to get rank 2 in Acrobatics you must spend 10 CP (5CP * level 2)

Skill	Attribute	Description
Acrobatics	DEX	Tumbling, flipping, and precise body control in motion.
Acting	CHA	Portraying a false identity or emotion convincingly.
Alchemy	INT	Brewing potions, identifying magical substances, and transmuting materials.
Animal Handling	WIS	Calming, training, and directing animals.
Arcana	INT	Knowledge of spells, magical traditions, planes, and the history of magic.
Architecture	INT	Understanding and evaluating the construction of buildings and fortifications.
Armoury	INT	Repairing, modifying, and crafting weapons and armor.
Astronomy	INT	Reading the stars for navigation, prophecy, or scholarly knowledge.
Athletics	STR	General feats of physical prowess: climbing, jumping, swimming, and grappling under pressure.
Botany	INT	Identifying and cultivating plants, including magical flora.
Bow	DEX	Proficiency and technique with longbows and shortbows beyond basic use.
Carousing	CON	Drinking, socializing, and gathering rumors in taverns without incident.
Cartography	INT	Drawing, reading, and interpreting maps.
Climbing	STR	Ascending difficult surfaces beyond casual athletic effort.
Cooking	INT	Preparing meals, including identifying edible forage and detecting tainted food.
Crossbow	DEX	Proficiency and technique with crossbows beyond basic use.
Cryptography	INT	Creating and breaking ciphers and coded messages.
Deception	CHA	Lying convincingly and misleading others through false statements or misdirection.
Diagnosis	INT	Identifying diseases, poisons, and the nature of wounds.
Diplomacy	CHA	Formal negotiation, treaty-making, and navigating political discourse.
Disguise	INT	Altering your appearance to pass as someone else.
Engineering	INT	Designing and operating siege engines, bridges, and large-scale constructions.
Escape	DEX	Slipping free of bonds, grapples, and confined spaces.
Fast-Talk	CHA	Talking your way past someone quickly before they have time to think.
First Aid	INT	Stabilizing the dying and treating wounds in the field.
Forgery	INT	Creating convincing false documents, seals, and signatures.
Gambling	INT	Games of chance and skill, reading opponents, and managing odds.
Geography	INT	Knowledge of terrain, regions, trade routes, and political boundaries.
Herbalism	WIS	Identifying and preparing medicinal and poisonous plants.
History	INT	Recalling the events, figures, and context of past eras.
Hiking	CON	Covering long distances on foot without fatigue or navigation errors.
Insight	WIS	Reading a person's true motives, detecting lies, and sensing emotional undercurrents.
Intimidation	CHA	Compelling compliance through threat or presence.
Interrogation	INT	Extracting information from unwilling subjects through pressure or clever questioning.
Investigation	INT	Examining a scene for clues, deducing connections, and finding hidden things through logic.
Jeweler	DEX	Appraising, crafting, and working with gems and precious metals.
Jumping	STR	Clearing obstacles and distances beyond routine athletic ability.
Knife	DEX	Fighting technique with daggers and knives beyond basic use.
Law	INT	Knowledge of legal codes, courtroom procedure, and contractual obligations.
Leadership	CHA	Commanding troops, inspiring followers, and organizing groups under pressure.
Lockpicking	DEX	Opening locks without the proper key.
Mathematics	INT	Advanced calculation, geometry, and theoretical applications.
Medicine	INT	Long-term treatment of injuries, diseases, and magical ailments.
Merchant	INT	Appraising goods, negotiating prices, and understanding trade.
Metallurgy	INT	Understanding the properties and working of metals and alloys.
Navigation	INT	Plotting courses by stars, landmarks, and maps.
Nature	INT	Knowledge of terrain, weather, plants, animals, and natural cycles in the world.
Occultism	INT	Knowledge of supernatural phenomena, spirits, and esoteric traditions.
Perception	WIS	Noticing things in your environment through sight, sound, smell, or other senses.
Performance	CHA	Music, dance, storytelling, and theatrical arts.
Persuasion	CHA	Convincing others through reasoned argument or emotional appeal.
Philosophy	INT	Reasoning through ethics, logic, and metaphysics.
Poison	INT	Preparing, identifying, and safely handling poisons.
Religion	INT	Knowledge of deities, religious rites, prayers, holy symbols, and ecclesiastical hierarchies.
Research	INT	Locating and extracting useful information from archives, libraries, and informants.
Riding	DEX	Controlling a mount in difficult terrain or combat.
Running	CON	Sustained sprinting and speed movement beyond normal limits.
Savoir-Faire	CHA	Knowing the customs and etiquette of a specific social class or organization.
Scribing	INT	Copying texts accurately, preparing documents, and calligraphy.
Search	WIS	Systematically looking for hidden objects, doors, or clues.
Sleight of Hand	DEX	Pickpocketing, palming objects, and performing close-up manipulation unseen.
Staff	DEX	Fighting technique with staves and quarterstaffs beyond basic use.
Stealth	DEX	Moving without being seen or heard.
Streetwise	INT	Navigating criminal networks, finding black markets, and understanding underworld customs.
Surgery	INT	Performing invasive procedures to remove foreign objects, repair internal damage, or amputate.
Survival	WIS	Finding food, water, and shelter in the wilderness.
Swimming	DEX	Moving through water and staying afloat under difficult conditions.
Tactics	INT	Planning and adjusting combat at the squad or battlefield level.
Teaching	INT	Conveying skills and knowledge effectively to others.
Thaumatology	INT	Understanding the underlying theory of magic, spell construction, and magical phenomena.
Theology	INT	Knowledge of divine beings, religious doctrine, and ecclesiastical history.
Throwing	DEX	Accurately throwing weapons and objects beyond casual attempts.
Tracking	WIS	Following the trail of a creature or person through terrain.
Traps	INT	Setting, detecting, and disabling mechanical and magical traps.
Veterinary	INT	Treating injuries and diseases in animals.
Weather Sense	WIS	Reading natural signs to predict coming weather.
Woodworking	DEX	Carving, joinery, and constructing objects from wood.
Wrestling	STR	Grappling technique for controlling, pinning, and throwing opponents.
Writing	INT	Composing clear and effective prose, from reports to literature.
Zoology	INT	Knowledge of animal behavior, biology, and habitats.

Advantages#

Ask the GM before taking anything not on this list.

Advantage	Cost	Description
Absolute Direction	5 CP	You always know which way is north and can retrace any path you have traveled without a navigation check.
Absolute Timing	2 CP	You always know the exact time to the nearest second and can measure intervals precisely without a clock.
Acute Hearing	2 CP/level	Each level gives +1 to Perception checks involving hearing.
Acute Taste and Smell	2 CP/level	Each level gives +1 to Perception checks involving taste and smell.
Acute Touch	2 CP/level	Each level gives +1 to Perception checks involving touch.
Acute Vision	2 CP/level	Each level gives +1 to Perception checks involving sight.
Alcohol Tolerance	1 CP	You suffer no negative effects from alcohol consumption.
Allies	variable	One or more NPCs who will help you in dangerous situations. Cost depends on their power and how often they appear.
Ambidexterity	5 CP	You suffer no off-hand penalty when using your non-dominant hand.
Amphibious	10 CP	You can breathe underwater and move through water as easily as on land.
Animal Empathy	5 CP	Animals naturally trust you. You can sense their emotional state and calm hostile animals with a WIS check.
Animal Friend	5 CP/level	Each level gives +1 to all animal handling and related checks.
Appearance	variable	Unusually attractive. Attractive (4 CP), Handsome/Beautiful (12 CP), Very Handsome/Beautiful (16 CP), Transcendent (20 CP).
Artificer	10 CP/level	Each level gives +1 to rolls for building, repairing, and identifying mechanical devices.
Autotrance	1 CP	You can enter a meditative trance at will, appearing dead to casual inspection while remaining aware of your surroundings.
Blessed	10 CP	A higher power watches over you, providing subtle guidance in dire situations.
Business Acumen	10 CP/level	Each level gives +1 to all mercantile and financial skill checks.
Catfall	10 CP	You instinctively twist to land on your feet, reducing effective fall distance for damage purposes.
Chameleon	5 CP/level	Each level gives +2 to Stealth checks when motionless, as you blend naturally into surroundings.
Channeling	10 CP	You can allow spirits to speak through you. A WIS check is required to maintain control.
Charisma	5 CP/level	Each level gives +1 to CHA-based checks involving personal interaction and leadership.
Chronolocation	5 CP	You always know the time of year, season, and roughly where you are in the week or month.
Claim to Hospitality	1 CP/level	Standing welcome among a particular group. Each level expands the group or quality of hospitality offered.
Clairsentience	50 CP	You can project your senses to a remote location as a full action.
Claws	variable	Natural claws. Blunt (3 CP), Sharp (5 CP), Long Talons (8 CP), Hooked Talons (11 CP).
Clerical Investment	5 CP	Official rank within a religious organization, granting authority over lay members and access to its resources.
Clinging	20 CP	You can cling to and move along walls and ceilings at half speed.
Combat Reflexes	15 CP	+1 to Initiative, +2 to all defense rolls, and you are never surprised.
Common Sense	10 CP	The GM will warn you before you do something particularly foolish.
Compartmentalized Mind	50 CP/level	Each level lets you concentrate on one additional task simultaneously without penalty.
Damage Resistance	5 CP/level	Each level reduces all incoming damage by 1, applied before HP loss.
Danger Sense	15 CP	You sense danger before it becomes apparent. The GM rolls secretly; on a success you get a moment's warning before an ambush or trap.
Daredevil	15 CP	Fortune favors you when taking risks. When you voluntarily accept unnecessary danger, gain advantage on the relevant roll.
Dark Vision	25 CP	You can see in total darkness up to 60 ft., in black and white.
Deep Sleeper	1 CP	You fall asleep quickly under any conditions and wake fully rested from minimal sleep.
Detect	variable, 5+ CP	You can sense the presence of a specific category of thing (magic, undead, lies, etc.) within a range. Cost varies by what you detect.
Discriminatory Hearing	15 CP	You can isolate specific sounds from background noise and identify individuals by voice.
Discriminatory Smell	15 CP	You can identify individuals by scent and track by smell, with advantage on relevant Perception checks.
Discriminatory Taste	10 CP	You can identify poisons, diseases, and specific ingredients in anything you taste.
Doesn't Sleep	20 CP	You do not need sleep and never suffer fatigue from lack of rest.
Double-Jointed	15 CP	Extreme flexibility. You can escape from bonds and squeeze through spaces other characters cannot attempt.
Duplication	35 CP/copy	You can split into two or more identical copies of yourself that act independently.
Eidetic Memory	5 CP	You can recall anything you have read or heard with perfect accuracy.
Elastic Skin	20 CP	You can reshape your facial features to mimic any humanoid you have seen, gaining advantage on Disguise checks.
Empathy	15 CP	You can sense the emotional state of those around you. The GM will hint at NPC emotions during interactions.
Enhanced Defenses	variable	Exceptional defensive reflexes. Enhanced Block (5 CP/level), Enhanced Dodge (15 CP/level), Enhanced Parry (5 CP/level). Each level gives +1 to that defense.
Enhanced Move	20 CP/level	Each level doubles your ground speed.
Extra Attack	25 CP/attack	You can make one additional attack per round without penalty.
Favor	variable	An NPC owes you a favor. Value depends on their power and the scope of the favor.
Fearlessness	2 CP/level	Each level gives +1 to checks against fear and intimidation.
Fit	5 CP	You recover from exertion faster and gain +1 to CON checks involving endurance.
Flexibility	5 CP	+3 to contortion and escape checks.
Flight	40 CP	You can fly at your normal Move speed.
Fur	1 CP	A light coat of fur provides minor insulation and +1 DR against cold.
Gadgeteer	25 / 50 CP	You can improvise devices from available parts in hours (25 CP) or minutes (Quick Gadgeteer, 50 CP).
Gifted Artist	5 CP/level	Each level gives +1 to rolls for a specific art form chosen at character creation.
Gigantism	0 CP	You are larger than average for your species, affecting reach, encumbrance thresholds, and certain social interactions.
Gizmos	5 CP/gizmo	Once per session per gizmo, you can produce a small useful item you "had on you all along."
Green Thumb	5 CP/level	Each level gives +1 to rolls involving plants, gardening, and herbalism.
Growth	10 CP/level	You can increase your size by one step per level as an action, gaining STR and reach but losing DEX.
Hard to Kill	2 CP/level	Each level gives +1 to CON saves against death.
Hard to Subdue	2 CP/level	Each level gives +1 to CON saves against being rendered unconscious.
Healer	10 CP/level	Each level gives +1 to Medicine and all healing-related skill checks.
Healing	30 CP	You can heal others through touch by spending FP to restore their HP.
High Manual Dexterity	5 CP/level	Each level gives +1 to fine motor tasks such as Sleight of Hand, surgery, and lockpicking.
High Pain Threshold	10 CP	Pain does not slow you. You ignore penalties from minor wounds and have advantage on Concentration checks when injured.
Higher Purpose	5 CP	Driven by a noble goal. Once per session when acting toward that purpose, you may reroll a failed check.
Honest Face	1 CP	You look trustworthy. Advantage on checks to convince others you are telling the truth, even when lying.
Independent Income	1 CP/level	See Starting Wealth section.
Intuition	15 CP	Once per session, ask the GM whether a course of action is wise or which of two options is better.
Intuitive Mathematician	5 CP	You perform complex arithmetic instantly and without error in your head.
Invisibility	40 CP	You can turn invisible. Carried equipment does not turn invisible unless you purchase that enhancement separately.
Language Talent	10 CP	You pick up languages with extraordinary ease, halving the time and CP needed to learn them.
Less Sleep	2 CP/level	Each level reduces the sleep you need by 1 hour per night without ill effect.
Lifting ST	3 CP/level	Each level adds +1 to your effective STR for carrying capacity and lifting only, not attacks.
Lightning Calculator	2 CP	You perform mental calculations at superhuman speed and accuracy.
Luck	variable	Reroll any one die and take the better result. Luck (15 CP, once/hour), Extraordinary Luck (30 CP, once/30 min), Ridiculous Luck (60 CP, once/10 min).
Magery	variable	The ability to learn and cast spells. Magery 0 (5 CP) indicates magical aptitude; each level above 0 costs +10 CP and adds +1 to all spell rolls.
Magic Resistance	2 CP/level	Each level gives +1 to saves against spells and magical effects, but also makes beneficial magic harder to apply to you.
Mana Damper	10 CP/level	You suppress ambient magic. Each level reduces the effective Magery of spellcasters near you by 1.
Mana Enhancer	50 CP/level	You enhance ambient magic. Spellcasters near you gain +1 effective Magery per level.
Mathematical Ability	10 CP/level	Each level gives +1 to all mathematics-related checks and halves the time for complex calculations.
Medium	10 CP	You can perceive and communicate with spirits of the dead.
Merchant Rank	5 CP/level	Official rank within a merchant guild, granting legal authority over trade matters and access to guild resources.
Microscopic Vision	5 CP/level	Each level magnifies your vision by 10x, revealing details invisible to the naked eye.
Mimicry	10 CP	You can perfectly replicate any sound or voice you have heard, including speech patterns and accents.
Mind Probe	30 CP	You can read the surface thoughts of a target you touch (opposed WIS check).
Mind Reading	30 CP	You can read the thoughts of anyone in line of sight (opposed WIS check).
Mind Shield	4 CP/level	Each level gives +1 to saves against mental intrusion, mind reading, and psychic attacks.
Musical Ability	5 CP/level	Each level gives +1 to Performance and all music-related checks.
No Hangover	1 CP	You never suffer aftereffects from alcohol or similar substances.
Oracle	15 CP	You receive cryptic visions of the future. The GM provides occasional clues about coming events; interpretation is up to you.
Outdoorsman	10 CP/level	Each level gives +1 to Survival, Navigation, and all wilderness skill checks.
Parabolic Hearing	4 CP/level	Each level lets you focus your hearing to filter noise and overhear conversations at increasing range.
Penetrating Vision	10 CP/level	Each level lets you see through one thin layer of non-metallic material (wood, flesh, cloth).
Penetrating Voice	1 CP	Your voice carries clearly over noise and distance without shouting.
Perfect Balance	15 CP	You never fall due to footing. Advantage on all checks to maintain balance on narrow surfaces, in high winds, or against trip attempts.
Peripheral Vision	15 CP	Your field of vision expands to nearly 360 degrees. You cannot be flanked and are rarely surprised from behind.
Permeation	variable	You can pass through a specific material as if it were not there. Cost depends on how common the material is.
Photographic Memory	10 CP	Like Eidetic Memory, but you also retain sensory impressions (sounds, smells, textures) with perfect fidelity.
Pitiable	5 CP	Something about you evokes pity. Once per scene, you may appeal for mercy and the target must succeed on a WIS save to refuse.
Plant Empathy	5 CP	You can sense the condition and rudimentary awareness of plants and fungi around you.
Police Rank	5 CP/level	Official rank within a law enforcement body, granting legal authority and access to its resources.
Power Investiture	10 CP/level	Divine power granted by a deity or spirit. Each level unlocks more powerful divine abilities and is required for divine spellcasting.
Precognition	25 CP	You receive unprompted visions of the near future. You cannot control when or what you see.
Psi Static	30 CP	Your mind disrupts psychic abilities. Psychics treat you as having extreme Mind Shield, but you also cannot benefit from helpful psychic effects.
Psychometry	20 CP	By touching an object, you sense its history and the strong emotions associated with it.
Rank	5 CP/level	Official rank within a military, governmental, or organizational hierarchy.
Rapid Healing	5 CP	You recover from injuries at twice the normal rate.
Resistant	variable	Unusual resistance to a specific hazard category (poison, disease, magic, etc.). Cost depends on breadth of resistance.
See Invisible	15 CP	You can see invisible creatures and objects as if they were visible.
Sensitive	5 CP	A lesser form of Empathy. You receive vague impressions of the emotions of those around you rather than clear readings.
Sensitive Touch	10 CP	Your fingertips are extraordinarily sensitive, letting you read text by touch, detect minute vibrations, and identify materials by feel.
Shadow Form	50 CP	You become a two-dimensional shadow, immune to most physical attacks and able to slide under doors and through cracks.
Shrinking	5 CP/level	You can reduce your size by one step per level, reducing STR but increasing DEX and Stealth.
Shtick	1 CP	A minor recurring trick that always works on the first attempt within reason. Define it at character creation.
Single-Minded	5 CP	When focused on one task, gain advantage on related checks but you may miss unrelated events around you.
Smooth Operator	15 CP/level	Each level gives +1 to all CHA-based social skills. You seem effortlessly likeable and trustworthy.
Snatcher	80 CP	You can teleport objects to your location across any distance, provided you know what the object is and roughly where it is.
Social Chameleon	5 CP	You read social situations instantly and adapt your manner, never appearing out of place in an unfamiliar setting.
Social Regard	5 CP/level	A specific group treats you with unusual respect due to your perceived status, holiness, or fearsome reputation.
Speak With Animals	25 CP	You can communicate with animals in a simple but effective way.
Speak With Plants	15 CP	You can communicate with plants and fungi, receiving impressions of what they have experienced.
Spirit Empathy	10 CP	You can sense and communicate with nearby spirits, even those not currently manifest.
Status	5 CP/level	A recognized social position. Each level represents one step up in the setting's social hierarchy.
Subsonic Hearing	5 CP	You can hear sounds below the normal human range, including some animal communications and structural resonances.
Super Climbing	3 CP/level	Each level adds +1 to your climb speed and Athletics checks involving climbing.
Super Jump	10 CP/level	Each level doubles your jumping distance.
Super Luck	100 CP	Once per session, you may dictate the outcome of any single die roll.
Talent	5-10 CP/level	A natural gift for a cluster of related skills. Each level gives +1 to all skills in the group. Define the group with the GM.
Teeth	variable	Natural bite attack. Sharp Teeth (1 CP) deal minor cutting damage; Fangs (2 CP) deal piercing damage and may inject venom.
Telekinesis	5 CP/level	You can move objects at range using your mind, with effective ST equal to levels purchased.
Telescopic Vision	5 CP/level	Each level multiplies your effective visual range by 5x.
Temperature Control	5 CP/level	You can raise or lower the temperature in your immediate vicinity by 20 degrees per level.
Temperature Tolerance	1 CP/level	Each level extends the temperature range you can function in without penalty by 10 degrees in either direction.
Terrain Adaptation	5 CP	You ignore movement penalties in one specific terrain type (swamp, snow, jungle, etc.) chosen at character creation.
Trained By A Master	30 CP	You were trained by a legendary martial artist and can learn cinematic combat techniques unavailable to others.
True Faith	15 CP	Your belief is absolute. You can turn or rebuke undead and creatures of darkness, and are immune to their supernatural fear effects.
Unaging	15 CP	You do not age past your prime, will never die of old age, and are immune to magically induced aging.
Unfazeable	15 CP	Nothing surprises you for long. You are immune to shock and the psychological effects of witnessing horrifying things.
Vampiric Bite	30 CP	Your bite attack drains life force, converting HP drained from targets into HP for yourself.
Versatile	5 CP	Once per session, attempt any skill check as if you had basic training in it, even without proficiency.
Very Fit	15 CP	Exceptional physical condition. Advantage on CON checks involving endurance, and you recover FP at twice the normal rate.
Vibration Sense	10 CP	You detect vibrations through surfaces, sensing movement and activity through walls and floors.
Visualization	10 CP	Once per session, spend 10 minutes mentally rehearsing a task to gain advantage on the next roll for that task.
Voice	10 CP	Your voice is extraordinarily resonant and beautiful. +2 to all CHA checks that rely on speaking.
Wealth	variable	See Starting Wealth section.
Weapon Master	variable	Mastery of a weapon or class of weapons, granting bonus damage. One weapon (20 CP), two weapons (25 CP), small class (30 CP), medium class (35 CP), all muscle-powered weapons (45 CP).
Wild Talent	20 CP/level	Each level lets you use one random skill per session as if trained, even without proficiency.
Zeroed	10 CP	You have no official records and do not appear in any registry, database, or government document.

Disadvantages#

Disadvantage	Cost	Description
Addiction	-5 / -10 CP	You depend on a substance (alcohol, a drug, a magical compound) to function. Mild: you can go without for a time with penalties (-5 CP); Severe: withdrawal imposes disadvantage on all checks until satisfied (-10 CP).
Albinism	-4 CP	Extreme sensitivity to sunlight. In direct sunlight you have disadvantage on Perception checks and suffer 1 point of damage per hour of unprotected exposure.
Attunement Curse	-10 CP	You can only attune to 2 magic items at a time instead of the normal 3. Some magic items resist attuning to you entirely (GM's discretion).
Bad Temper	-10 CP	You have a short fuse. When provoked or frustrated, you must succeed on a WIS save or react with aggression. Failing in public regularly damages your reputation.
Berserk	-10 CP	When you take significant damage, make a WIS save or enter a rage in which you must attack the nearest creature regardless of allegiance. The rage ends when nothing is within reach or you succeed on a save at the end of your turn.
Blood Feud	-10 CP	A family, clan, or organization holds you personally responsible for deaths during the war and actively seeks vengeance. The feud is public and deeply personal, and neutral third parties may be drawn into it.
Bloodlust	-10 CP	You struggle to leave enemies alive. When you down a foe, you must succeed on a WIS save to accept surrender or take prisoners. You may also finish off the wounded if not watched.
Chronic Pain	-5 / -10 / -15 CP	Recurring pain from an old injury, curse, or degenerative condition. Mild: once per session the GM may impose disadvantage on one roll (-5 CP); Moderate: daily CON save or disadvantage on all checks that day (-10 CP); Severe: daily CON save or take 1d4 damage and suffer disadvantage on checks until you rest (-15 CP).
Collaborator Stigma	-5 CP	You are known to have worked with the opposing faction, willingly or under duress. Those who care deeply about the outcome of the war distrust you and some will refuse to help you regardless of your current allegiances.
Colorblindness	-10 CP	You cannot distinguish colors reliably. Investigation and Perception checks where color is a distinguishing factor are made at disadvantage.
Compulsive Behavior	-5 / -10 CP	You have a compulsion you cannot easily resist (gambling, collecting trophies from kills, excessive generosity, ritual cleanliness, etc.). It periodically costs you time, money, or social standing.
Concentration Impaired	-10 CP	Your ability to sustain magical focus is compromised. You have disadvantage on all Constitution saving throws to maintain Concentration.
Conscript Liability	-5 CP	You technically still owe military service to a faction. They may attempt to press you back into the ranks, and refusing constitutes desertion in the eyes of their officers.
Cowardice	-10 CP	You are easily frightened. Disadvantage on saves against fear, and when clearly outnumbered you must succeed on a WIS save to hold your ground rather than flee.
Cursed	-10 / -20 CP	You bear a magical curse with specific ongoing effects. Inconvenient but manageable (-10 CP); severe and actively dangerous (-20 CP). Define the nature with the GM.
Cursed Bloodline	-10 / -20 CP	Your family carries a hereditary curse that manifests in you. Define its nature with the GM. At -10 CP it is an ongoing compulsion, vulnerability, or supernatural obligation; at -20 CP it actively endangers you and those around you.
Deaf	-20 CP	You cannot hear at all. You automatically fail Perception checks relying on sound and cannot understand spoken language without lip-reading (INT check). You are immune to sonic effects.
Death Touched	-10 CP	You have died and been returned to life, and something from beyond clings to you. Undead react to you unpredictably, sometimes ignoring you entirely, sometimes fixating on you above others. The GM may call for WIS saves near strong necromantic energy.
Dependency	-5 / -10 / -25 CP	You require a specific substance or condition to maintain your full capabilities. Common and costly (-5 CP); requires effort to obtain (-10 CP); going without causes HP damage each day until satisfied (-25 CP).
Deserter	-10 CP	You abandoned your post during the war. You are officially wanted by your former faction and face execution if captured. Soldiers and officers of that faction will attempt to arrest or kill you on sight.
Divided Loyalties	-5 CP	You have close family or loved ones fighting on the opposing side. The GM may use this as leverage, and you may face genuine choices between your bonds and your companions' goals.
Divine Disfavor	-10 CP	A specific deity is actively displeased with you. Clerics and paladins of that faith are hostile on sight, divine magic cast in that deity's holy sites may not function for you, and their faithful will pursue grievances against you. Define the deity and cause with the GM.
Duty	-2 / -5 / -10 / -15 CP	You have an ongoing obligation to a faction, organization, or individual that periodically overrides your own plans. Higher values reflect more demanding obligations that call on you more frequently and place you in greater danger.
Dwarfism	-15 CP	You are roughly half the normal height for your species. You cannot wield Large weapons, have reduced reach, and may face social penalties in cultures that value physical stature. Armor and equipment must be custom made.
Enemy	-5 / -10 / -20 CP	Someone actively hunts you. An individual of modest means who appears occasionally (-5 CP); a small group or powerful individual (-10 CP); a well-resourced organization with the means to pursue you across the empire (-20 CP).
Epilepsy	-30 CP	You suffer from seizures triggered by stress, exhaustion, or flashing light. When a trigger occurs the GM may call for a CON save; on a failure you are incapacitated for 1d6 rounds.
Exhaustion Prone	-10 CP	You accumulate exhaustion more easily than others. Whenever the rules would cause you to make a CON save against gaining a level of exhaustion, you roll at disadvantage. Resting removes exhaustion at the normal rate.
Fanaticism	-15 CP	Absolute devotion to a cause, religion, or leader overrides your better judgment. You will take unreasonable risks in its service and refuse to act against your beliefs regardless of the consequences.
Fat	-3 CP	Significantly overweight. -1 to DEX and CON checks involving physical exertion; -2 to social checks where fitness matters.
Fey Touched	-10 CP	Time in the Feywild or contact with powerful Fey has left you partially unmoored. You occasionally lose hours or days without explanation. The Fey who touched you may make demands, and other Fey recognize you as a mortal with a claim on them.
Greed	-15 CP	Money motivates you above almost everything else. WIS save required to pass up significant financial gain, even when doing so is dangerous or morally compromised.
Hard of Hearing	-10 CP	Partial hearing loss. -4 to Perception checks involving sound, and you must be facing someone to understand speech clearly in noisy conditions.
Haunted	-10 CP	A spirit is bound to you and periodically interferes with your life. It may warn you of danger, but it also makes noise, moves objects, frightens animals, and draws the attention of other spirits.
Hunchback	-10 CP	A spinal deformity leaves you with a pronounced stoop. -2 to CHA checks involving first impressions, and most armor and backpacks require custom fitting at extra cost.
Impulsiveness	-10 CP	You act before thinking. WIS save required to wait, plan carefully, or let someone else take the lead when a faster course of action is available.
Infamy	-10 CP	You are notorious for something you did during the war, whether or not the stories are accurate. Strangers who recognize your name or face react with fear, hatred, or hostility before you have a chance to speak.
Lame	variable	Your legs are impaired. One Bad Leg (-10 CP): speed reduced by 10 ft. and disadvantage on Athletics checks; Crippled (-20 CP): requires a cane, speed reduced by 20 ft.; Paraplegic (-30 CP): cannot walk without assistance or a conveyance.
Mana Sensitivity	-10 CP	You feel shifts in ambient magical energy acutely. In high-mana areas you gain +1 to saves against spells but suffer headaches; in low-mana areas you feel drained and take -1 to all checks.
Marked by Undeath	-5 CP	You carry a faint taint of undeath from a prior affliction, near-death experience, or necromantic exposure. Animals react with unease or aggression, sensitive folk sense something is wrong, and paladins or clerics may detect you as faintly unholy.
Missing Arm	-20 CP	One arm is entirely absent. You cannot carry anything on that side and lose access to any two-handed activity entirely.
Missing Digits	-2 CP/digit	One or more fingers or toes are absent. Each missing finger imposes -1 to fine motor tasks (Sleight of Hand, Surgery, lockpicking); a missing thumb imposes -3 instead.
Missing Hand	-15 CP	One hand is absent or non-functional. You cannot wield two-handed weapons, use a shield while armed, or perform tasks that require two hands without improvising.
Mistaken Identity	-5 CP	You are frequently confused for someone else, typically someone with a bad reputation. People react to you based on that person's history rather than your own.
Mute	-25 CP	You cannot produce intelligible speech. You cannot cast spells with verbal components and must rely on signs, writing, or gesture to communicate.
Night Blindness	-10 CP	Your eyes do not adapt to low light. You treat dim light as darkness and darkness as total darkness.
Nightmares	-5 CP	Recurring nightmares plague your sleep. Each long rest, make a CON save; on a failure you do not regain your Hit Dice and wake exhausted rather than refreshed.
Oath Breaker	-10 CP	You broke a solemn sworn oath. Until you formally atone, you suffer -2 to CHA checks with anyone who knows of the breach, and divine spellcasters may sense your transgression. The specific oath and its circumstances are defined at character creation.
Odious Personal Habits	-5 / -10 / -15 CP	You have a habit others find deeply repulsive (poor hygiene, compulsive cruelty, disturbing mannerisms, etc.). Imposes -2 (mild), -3 (moderate), or -4 (severe) to reaction rolls from people who notice. Define the habit at character creation.
One Eye	-15 CP	You have lost one eye. -1 to all ranged attack rolls and checks requiring depth perception. You cannot benefit from advantages that require binocular vision.
Overconfidence	-5 CP	You believe you are more capable than you are and cannot easily back down from a challenge. WIS save required to retreat, refuse a duel, or admit you are outclassed.
Overweight	-1 CP	You carry extra weight but remain functional. Minor social penalty in contexts where fitness is valued; clothing and armor may need adjustment.
Pact Price	-10 CP	You struck a deal with a supernatural entity (fiend, archfey, great old one, or similar) and the terms have not been fully settled. The patron may make demands, call in the debt at inconvenient moments, or send agents to check on their investment. Define the patron and the nature of the pact with the GM.
Phobia	-5 / -10 CP	An irrational, debilitating fear of a specific thing (fire, enclosed spaces, the undead, deep water, etc.). Mild: disadvantage on all checks while the trigger is present (-5 CP); Severe: WIS save required to act at all when confronted with it (-10 CP).
Planar Instability	-15 CP	Your connection to the Material Plane is weakened by prior planar exposure. When you take a critical hit, roll a d20; on a 1 you briefly phase out of phase, losing your next action as you reorient. Spells with the conjuration tag that target you have a 10% chance of misfiring.
Refugee	-5 CP	The war destroyed your home and social standing. You have no recognized legal status in most jurisdictions, must pay more for lodging and services, and are treated with suspicion in settled areas.
Shadow Touched	-10 CP	Prolonged exposure to the Shadowfell has left its mark. You are drawn toward darkness and melancholy, and bright sunlight feels deeply wrong. In direct sunlight you have disadvantage on Perception checks. Creatures native to the Shadowfell recognize you as partially their own.
Skinny	-5 CP	You are visibly underweight. -2 to CON checks involving physical endurance, and armor may not fit without modification.
Slow Healer	-5 CP	You recover from injury at half the normal rate. Your Hit Dice restore half the normal HP when spent, and natural healing during rests is halved.
Social Stigma	-5 / -10 CP	You belong to or are associated with a group that faces active prejudice (a persecuted species, a banned magical tradition, a heretical faith, a disgraced noble house, etc.). Common but not universal (-5 CP); severe enough that some NPCs will refuse to deal with you at all (-10 CP).
Spell Scar	-5 CP	A visible mark left by magical trauma (a burn, a brand, a patch of necrotic skin, etc.) identifies you as someone who has been on the wrong end of powerful magic. It cannot be hidden easily, causes -1 to social checks with those who fear magic, and may react visibly in the presence of certain spell effects.
Spirit Touched	-10 CP	Spirits are unusually aware of your presence. They seek you out, make demands of you, and may interfere in your affairs even when you want nothing to do with the spirit world.
Truthfulness	-5 CP	You have deep difficulty lying. CHA save required to state an outright falsehood; you tend to blurt out uncomfortable truths at inopportune moments.
Unluck	-10 CP	The opposite of Luck. Once per session the GM may force you to reroll any die and take the worse result.
Unnatural Features	-1 CP/level	You have a visible physical trait that marks you as unusual or inhuman (vestigial horns, unusual eye color, faint scales, etc.). Each level imposes -1 to reaction rolls when the feature would be noticed and considered unsettling.
Very Fat	-5 CP	Obese. -2 to DEX and CON checks for physical activity, Move reduced by 1, and -3 to social checks where fitness matters. Armor must be custom made at additional cost.
Vow	-5 / -10 CP	You have sworn an oath (to a god, a cause, or a person) that restricts your behavior. A minor vow limits your options occasionally (-5 CP); a major vow meaningfully constrains how you can act in the world (-10 CP).
Wanted	-5 / -10 / -20 CP	A faction, noble house, or guild has placed a bounty on you. Minor offenses with a modest reward (-5 CP); a significant bounty that attracts professional hunters (-10 CP); a price large enough to tempt even allies (-20 CP).
War Trauma	-10 CP	You witnessed or participated in atrocities that left lasting psychological damage. Certain triggers (smoke, screaming, the smell of blood) can cause you to freeze, flee, or act irrationally. The GM may call for WIS saves when you encounter them.
Weak Immune System	-10 CP	Unusually susceptible to disease, poison, and infection. Disadvantage on all CON saves against these effects, and wounds become infected on a failed CON save after combat.
Wild Magic Susceptibility	-10 CP	You are unusually sensitive to ambient magical energy. Whenever you are within the area of a spell of 3rd level or higher, or when you yourself cast a spell, the GM may call for a roll on the Wild Magic Surge table.