Cogent Quick Guide: Difference between revisions

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* Commerce level 3: no effect

* Commerce level 4: roll a 'Quirks of Wealth'

From there, the player can choose to ±1 their commerce level. The following will happen based on this decision

* decreasing: +1 skill point to a skill not already assigned points

* increasing: roll a 'Quirks of Wealth'

==== Quirks of Wealth ====

# Scrooge – You will not spend a cent on anyone except yourself

# Patron – You support an impoverished creative, and cannot refuse their requests.

# Expensive tastes – There is an aspect of life where you will only accept the absolute best. (Eg: Food, wine, lodgings)

# Philanthropist – You are extremely charitable to those in need, even to your detriment.

# Loan Shark – You will spend your money on others, but demand it back with interest. No exceptions.

# Hidden Price – If you buy something of value for another, you will expect a favour of significance in return. If refused, you will demand your item.

# Tight Pursed – You will only purchase things with item value of two or more less than your commerce level.

# Blood Money – Your wealth secretly stems from a dark source that is kept secret.

# Family Ties – Your money is tied up in a trust, or controlled by someone else. All spending is monitored, and spending that would decrease your CL must be approved by them.

# Fame – Your wealth has brought you fame appropriate to your CL. (Local celebrity, business owner) – But this attention is unwanted, you stand out and people recognize you. Constantly seeking your advice or attention.

# Debt – Your wealth is balanced against huge credit/debt, but you’re afloat due to your income. Should you lose your income for a month, you immediately lose 2 Commerce Level.

# Stolen – Your wealth is in part stolen from someone else who would very much like it back.

# Elitist – You treat people with lower commerce level than you as inferior in an obvious manner.

# Ladder Climber – You are grovelling and overly nice to those with a higher commerce level than you.

# Romantic Gifter – You are prone to over-spending on romantic interests to win their hearts in over the top displays of love.

# Closed Trade/Unique Market – Your source of wealth is limited in scope and only renewable in the locale you come from. This could be a niche business, or a trade good only valuable in one area. You treat your CL as two points lower when outside this area. (Scope depends on game setting and narrator discretion)

# Unethical Business – People know your money stems from a source most don’t like. It isn’t necessarily illegal, but the commonfolk dislike you for it.

# Superiors Favour – Your success hinges on the support and recommendation of a major celebrity, CEO or noble. If they withdraw that support, your business will collapse.

# Risky Investor – If the potential exists for profit, you will spend money even if it reduces your profit level. Somewhat susceptible to accomplished con-artists.

# Employees – Your wealth and investments support some employees, you are obligated to ensure their needs are met, but they can perform basic services for you too. The way you treat them will spread fast.

==== Commerce Scale Item Value ====

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* Purchasing something '''1 point less''' than the character's value will '''subtract/cost 2 commerce points'''.

* Purchasing something '''2 points less''' than the current commerce level will '''not effect''' commerce level.

Commerce points can be gained as rewards through the narrative of the story

== Play Modes ==

@@ Line 137: / Line 137: @@
 * Commerce level 3: no effect
 * Commerce level 4: roll a 'Quirks of Wealth'
+From there, the player can choose to ±1 their commerce level. The following will happen based on this decision
+* decreasing: +1 skill point to a skill not already assigned points
+* increasing: roll a 'Quirks of Wealth'
 ==== Quirks of Wealth ====
+# Scrooge – You will not spend a cent on anyone except yourself
+# Patron – You support an impoverished creative, and cannot refuse their requests.
+# Expensive tastes – There is an aspect of life where you will only accept the absolute best. (Eg: Food, wine, lodgings)
+# Philanthropist – You are extremely charitable to those in need, even to your detriment.
+# Loan Shark – You will spend your money on others, but demand it back with interest. No exceptions.
+# Hidden Price – If you buy something of value for another, you will expect a favour of significance in return. If refused, you will demand your item.
+# Tight Pursed – You will only purchase things with item value of two or more less than your commerce level.
+# Blood Money – Your wealth secretly stems from a dark source that is kept secret.
+# Family Ties – Your money is tied up in a trust, or controlled by someone else. All spending is monitored, and spending that would decrease your CL must be approved by them.
+# Fame – Your wealth has brought you fame appropriate to your CL. (Local celebrity, business owner) – But this attention is unwanted, you stand out and people recognize you. Constantly seeking your advice or attention.
+# Debt – Your wealth is balanced against huge credit/debt, but you’re afloat due to your income. Should you lose your income for a month, you immediately lose 2 Commerce Level.
+# Stolen – Your wealth is in part stolen from someone else who would very much like it back.
+# Elitist – You treat people with lower commerce level than you as inferior in an obvious manner.
+# Ladder Climber – You are grovelling and overly nice to those with a higher commerce level than you.
+# Romantic Gifter – You are prone to over-spending on romantic interests to win their hearts in over the top displays of love.
+# Closed Trade/Unique Market – Your source of wealth is limited in scope and only renewable in the locale you come from. This could be a niche business, or a trade good only valuable in one area. You treat your CL as two points lower when outside this area. (Scope depends on game setting and narrator discretion)
+# Unethical Business – People know your money stems from a source most don’t like. It isn’t necessarily illegal, but the commonfolk dislike you for it.
+# Superiors Favour – Your success hinges on the support and recommendation of a major celebrity, CEO or noble. If they withdraw that support, your business will collapse.
+# Risky Investor – If the potential exists for profit, you will spend money even if it reduces your profit level. Somewhat susceptible to accomplished con-artists.
+# Employees – Your wealth and investments support some employees, you are obligated to ensure their needs are met, but they can perform basic services for you too. The way you treat them will spread fast.
 ==== Commerce Scale Item Value ====
@@ Line 158: / Line 183: @@
 * Purchasing something '''1 point less''' than the character's value will '''subtract/cost 2 commerce points'''.
 * Purchasing something '''2 points less''' than the current commerce level will '''not effect''' commerce level.
+Commerce points can be gained as rewards through the narrative of the story
 == Play Modes ==