Characters can win or lose credits by betting on swoop races or playing games of chance, such as sabaac und jubilee. Use these rules whenever a character plays against the house, gambles against other characters, or takes their chances on games of pure chance.
Gambling against the House: When gambling against the house, such as when playing the jubilee wheel or betting on the outcome of a race, you must declare how many credits you want to wager as your stake. A Wisdom check determines whether you win or lose, and by how much:
| Wisdom Check Results |
Wins or Losses |
|---|---|
| Less than 5 | Lose entire stake |
| 5-9 | Lose half stake |
| 10-14 | Break even; keep entire stake |
| 15-19 | Win stake × 2 |
| 20-24 | Win stake × 5 |
| 25 or higher | Win stake × 10 |
Gambling against Other Characters: When gambling against other opponents, including GM characters and other heroes, each participant declares an amount to wager and makes a Wisdom check. the character with the highest result wins; if two participants are tied for the highest result, they split the winnings. Each participant other than the winner compares his check result against the winner’s result, using the difference in scores to determine how much money is deducted from their stake and added to the winner’s take.
| Difference | Change in Winnings |
|---|---|
| 1-4 | Break even; keep your entire stake |
| 5-9 | Give 1/2 of stake to winner |
| 10 or more | Lose it all; give entire stake to winner |
Games of Pure Chance: When you play a game of pure chance, Wisdom checks never come into play. Simply roll 1d20 and consult the chart below:
| D20 Result | Outcome |
|---|---|
| 1-15 | Lose entire stake |
| 16 | Lose half stake |
| 17 | Break even; keep entire stake |
| 18 | Win stake × 2 |
| 19 | Win stake × 5 |
| 20 | Win stake × 10 |