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Message: <blockquote data-quote="painandgreed" data-source="post: 2774185" data-attributes="member: 24969">IMC, trade in coins is just trading in base metals so gold pieces are about the same everywhere. The 1 coin as a weight standard whcih is 1/50 of a pound was a elven-dwarf standard the has existed for thousands of years before humans ever learned to talk. Much of the gold coinage (including all platinium pieces) are left over from this period and are of dwarven manufacture. This weight system was adopted by the large historical empire from which most current cultures come from so they adopted it also so all new minited coins are of the same design. Clipping, counter-fitting, and poor qualities of certain coinages do exist, but their effects on trade are abstracted. Buying something takes a certain amount of time as you haggle with the other person on items and price. This is assumed to be about a minute per gold piece value as the buyer looks over the items and the seller looks over the gold and weighs them and chooses the ones he likes best. For a fast sale or purchase on the order of 1 minute per 10 GP, an item will cost 1d6X10% more or less depending on who is restrained for time.What is moderated by government is the realative value of metals. The 10 for 1 ratio between the various metals was set by historical empire and is still maintained by the main economic empire of the current day. For role playing purposes, there might be some local or temperary variance between these values but not enough to make a living off of currency trade. For example, some people might want to be paid in silver rather than gold (ten times the weight and thus about 30 times volume for the same payment makes it much harder to steal) and trying to buy up enough silver to make the transaction may cause a temporary shortage resulting in in increased value of silver. Money changers in large cities (who also often have other functions such as jeweler) usually charge about 10% to go between metals (or gems) although such services may come for free from others who have large amounts of ready cash (eg nobles) with good Diplomacy checks.</blockquote>

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