In the later years of the 1st Era, the entire world used a single form of currency - the Imperial Shilling. Even though there were still some fringe small nations that didn't join the Empire of Nor'Ova, all used the Empire's currency. In this way the Empire did indeed rule the entire world.

The Imperial Shilling is different from the shillings used in the normal game. Normal shillings are coins of gold, Imperial Shillings is simply the name of a currency. It is distributed as paper money and coins of various metals, all which illustrates a perceived value backed by the Central Bank of Nor'Ova. The Central Bank set the values based on the agreed upon values in trade of various goods and services, largely linked to metals, fuels, and data mining. In a way it is a fiat currency, and at one time was completely a fiat currency. Under the restructuring commissioned by Emperor Killian Xerxes however, while the Imperial Shilling value can change like a fiat currency, every 10th of a shilling (denoted as a pence) must be backed by a hard tradable resource. This keeps the Central Bank from rampantly printing money and has stabilized the Imperial Shilling, which further helped the world recover from the Great Depression.

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1) Determining Starting Amount of Imperial Shillings

It is easily believed that you would already have some amount of money. You weren't born right when you created your character, you've lived before. The steps below will show you how many Imperial Shillings you start with.

In order to determine your character’s start-up currency, follow these simple steps. You will need a set of percentile dice, a scrap paper to record your rolls, a three-sided dice (or a six-sided dice with 4 = 1, 5 = 2, and 6 = 3), a ten-sided dice, and you may want a calculator.

  • Step 1: Roll 4d% (four percentile dice) and record each number on a piece of scratch paper.
  • Step 2: Your game master may roll a four-sided dice to see how many re rolls you have. Remember, if you choose to re-roll, you must keep the new re-rolled number. However if you have enough re-rolls left you can always re-roll the new number. Also you do not have to take all of your re-rolls.
  • Step 3: Add the numbers together. For example, if you got 90, 18, 50, and 24, your total would be 182.
  • Step 4: Roll a three-sided dice. Again this can be a six-sided dice with 4=1, 5=2, and 6=3. Multiply the number shown on the three-sided dice against the number you got from Step 3. For example, if you roll a 2 in Step 4 and got 182 in Step 3, you would multiply those together to get 364. If you rolled a 1, you would be left with 182. If you rolled a 3, you would get 546.

Once you have your answer from Step 4, that is your character’s start-up currency in Imperial Shillings. However this is not cash on hand, it is on a bank card. Every imperial citizen has a bank account with the Central Bank of Nor'Ova. If you wish cash on hand, you'll have to withdraw some of this money as cash at a bank. So record the answer from Step 4 in the Imperial Shillings on Bank Card field.

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2) Credit Card

Every imperial citizen that is an adult can apply to have a credit card from the Central Bank. The credit card has no real currency on it, instead it depicts an amount of money that the bank will loan to you. You have to pay that money back.

In order to determine your credit amount, it is your Luck Score times 100. So if you have a Luck of 70, you'll be able to get a credit card with 7,000 on it. You'd record that in the Credit Card amount.

Each time you use your credit card, you must put how much you use in the Loan or Credit Debt field, as you must pay that back. You can pay as much of it back at a time as you want, but otherwise each time you get any kind of money, 10% of it goes to pay off that credit debt until that field reaches 0 again.

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3) Loans

It is possible to ask the Central Bank for a loan, but they will require collateral. In this world, your stats are your collateral, so you will offer up so much of your stats. Lets say you have a Fortitude of 80, and you over up 20 as collateral. That 20 is still there, but you cannot use it until your loan is paid off, so you might as well have a Fortitude of 60. However, if your race max was 80, you cannot add any more into Fortitude to offset that.

The bank will take that 20 (or whatever amount you choose) that you offered up, and multiply it by 350. That amount will also go into your Loan or Credit Debt field, except this also goes into your Imperial Shillings on Bank Card field. Just like with Credit Cards, you can pay as much of it off as you like, but it will take 10% of any money you receive. The difference here is that every week the Loan debt increases by 5%, so it is best to pay it off quickly.

Each time you pay off your loan, your credit rating with the bank improves. So the each additional time you take out a loan the multiplier is increased by 20%, assuming that the previous loans are paid off. Therefore, the second loan would have the collateral multiplied by 420, the third time it would be multiplied by 490, and so forth.

So assuming you use 20 of your stat as collateral, the first loan would be 7,000. The second loan would be 8,400. The third loan would be 9,800. This will allow you to get larger sums of money for larger projects, by showing your ability to pay off a loan. Even if you do not plan to use a loan in the future, it may be wise to go ahead and get a loan at the start and pay it off quickly, so that you can get that larger loan in the future. Plus, your GM may require you to have a certain rating with the bank for certain things like purchasing houses and the like.

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Submitted by mythus on Wed, 06/15/2022 - 23:54