(Because Regalia on the discord was asking about these. It's another Flip Template thing.)
Starting Equipment: Cart (10 slots). Mule. Cargo of Produce (100sp, 10 slots). 6" Square of Silk. Canteen. Dagger. Attire in Near-Violation of Sumptuary Laws.
Starting Skills: Merchant and Mule Handling.
+1 Quick Draw Slot per Template
A. Unload // Cargo
B. Staffing, Appraise
C. Smooth // Talker
D. Creditor // Debtor
Unload: Goods acquired via the Cargo template sell for full retail value. After rolling 2d6 for Reaction, you may present your wares to reroll the lower d6 die. If this produces a Hostile result, they might try to rob you. Otherwise, they will listen to your sales pitch before getting back to whatever they first approached you about. Flip back to Cargo once you rid yourself of the last of the wares you last acquired using it.
Cargo: When visiting a settlement, you immediately note its most important industries. If you flip back to Unload, you may choose one of these Industries, rebrand yourself as a <Industry> Merchant and then buy any quantity of goods that you can haul away at a 50% wholesaler discount. You acquired your starting Cargo this way and begin as part of the Produce Industry.
Staffing: You learn the Loyalty Type of any person you share a drink with. Hirelings motivated by Restraint or Bravado and Patrons motivated by Pride or Brotherhood add your Merchant templates to their Loyalty while employed by you or while employing you respectively. If you don't use alternate loyalties, this applies to the regular loyalty of your hirelings and you can tell if they're scumbags or not.
Appraise: You can accurately assess the retail value of coins, bulk trade goods and fine art. When assessing goods related to your current Industry, you know the exact provenance of any item you can inspect in detail. If you handle an object through a layer of silk and don't attempt to use it yourself, it cannot curse you.
Smooth: If in the last minute you said or did something rude, compromising or committal, you may flip to Talker to retroactively not have said or done that. You still know how people would react to the undone word or deed, but that knowledge is merely an insightful prediction.
Talker: When people hear you say something they think is untrue, they believe that you believe it. If you are talking about your current Industry, they will believe that you have good reasons for your supposed belief. If you go a full day without lying once, flip to Smooth.
Creditor: You can use the A Template of whoever owes you the most money, provided they owe you more than they own in assets. If they don't have a class, you get a special ability they possess instead. If they don't have that either, you shouldn't have loaned them all that money. You can get a loan for 10% of someone's liquid wealth by flipping over to Debtor.
Debtor: You develop a sixth sense for your creditors, such that you get ten minutes warning before anyone who you owe money to or who is working on behalf of someone you owe money to shows up. Flip back to Creditor once your debts are all paid off, or your last creditor dies.
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