Help a Magic Broker Defend his Customers

Elder-Basilisk

First Post
I'm looking at a situation where some PCs may soon need to interact with a broker of magic items.

In the campaign, I conceive of magic items as being bought and sold but not like commodities in a marketplace--the demand for them is not widespread enough for merchants to keep things other than very minor potions in stock. Rather, there are some individuals who keep their ear to the ground and know who's looking for what kinds of items. If they hear that someone else has such an item, they contact both parties and see if they can broker a deal.

For the characters and NPCs, the advantage of such brokerage is security. A broker's reputation for honesty can assure them that it's not a trap and the broker's connections make it possible for adventurer X who wants a magic mace to connect to noble Y who found a magic mace when his armies sacked city Z. The broker also arranges for both the payment and the item to be verified--the notes of credit or other magic items used to pay for the item aren't forged, the gold is real and neither alloyed nor illusionary, and the magic item isn't a masterwork sword with Nystul's Magic Aura.

But what precautions would such a broker take against theft and deception?
Said Broker is an Exp 8/Ari 4

So far, I've come up with this:
All negotiations on price, etc. are conducted in a hallowed chapel with either a Zone of Truth connected to the Hallow or Discern Lies. (Discern Lies might be better because it's not resistable).

The broker keeps the items for 24 hours to make sure that any mid-duration spells on them have time to expire.

The broker hires a respected wizard to Cast a Dispel Magic or Greater Dispelling on both the item and the payment (just in case there is magic on them designed to deceive him). The wizard then casts analyze dweomer on both of them and gives a full report to both parties on the qualities (if any) of what they are receiving. (On relatively inexpensive items, he'll probably just UMD a scroll of Identify himself--their value can't justify the cost of an Analyze Dweomer).

The broker lives in a villa and has his own guards and servants (as befits a man of his wealth and influence). They're competent, but the best are probably no more than 6th level with maybe an 8th or 9th level captain. Most are probably 2nd to 4th level with NPC classes (Warrior/Commoner or Warrior/Expert). Hiring more powerful guards would be too expensive for him to justify.

Since the broker doesn't keep a stock of powerful magic items (though he's wealthy enough to buy some small items he knows he can find buyers for), he doesn't usually need more powerful guards. And when adventurers or nobles arrive to negotiate over a sale/trade, he makes them understand that they are part of the security for the items they are trading and that, if trouble breaks out, the alarms will ring in their rooms as well as the guard house. That way, if Dornan DoRight the paladin wants him to sell the staff of power he found in the dragon's hoarde, he has an 18th level paladin and his friends to guard the staff.

However, he still needs to take precautions.
His entire villa is kept under a permanent Mordenkeinen's Private Sanctum (it's expensive but it's a one-time cost which he can make up over the years he uses it). That way he can't be scried upon and neither can his treasure room.

The area between the outer wall and his house is kept lit by torches with Heightened (4th level) Continual Flame. That way, a thief can't sneak by his guards with a simple darkness spell. He probably lights the hallways in his house in the same manner. The floors are designed to be squeaky so as to give away the presence of invisible intruders. He pays for quality locks (DC 40--they're cheap) on all exterior doors, on the doors to his treasure chamber, and on the doors to the safes where he stores the items. He also buys scrolls of Arcane Lock (at a decent caster level--he may not be able to anticipate everything but he can thwart Knock scrolls) and Uses Magic Devic to read that himself on the doors to the treasure chamber and the safes. Anyone other than him will have to break the spell to open it as well as have the key. And he pays for some fiendishly clever traps to be placed on all of those locations. (Since the treasure chamber is used regularly as are his hallways, he can't just trap random locations). Knowing that, given enough time, a good rogue would be able to find the traps, he has guards patrol past the area on a regular basis (maybe once every fifteen minutes to half hour) and posts a guard by the treasure chamber door.

The entire interior of the house is covered with thin lead leaf to stop detection spells--except in the areas where he wants to be ostentatious; there he uses gold.

What other precautions should he take? And could he afford all of these precautions (assuming he takes about a 25-30% commission+identification and security fees on all transactions (something which might explain why PCs generally buy magic items at full price but only get about half price when they sell them) and makes a fair number of high value transactions per year but probably not more than a few dozen)? Would it be reasonable for him to pay for his entire villa (or maybe just his treasure chamber) to be permanently dimensional locked? Or would he get a wizard to cast that before expecially high value transactions?

What skills does he need himself (obviously, Bluff, Gather info, Knowledge (Local), Diplomacy, Sense Motive, Appraise, Profession (Merchant), and Use Magic Device but am I missing anything?)

And, what level of rogue would it likely take to bypass these precautions and steal the items from his treasure chamber?
 

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Elder-Basilisk said:
What other precautions should he take?

I think a logical precaution would be a standing long-term contract with a well-known and mid-high level adventuring company to recover anything that goes missing from his home or business. They don't work for him on a regular 9-5 basis, but are on retainer as needed, with the standing agreement that anything else they (*ahem*) 'recover' in the process, they are free to keep.

Give them some back story and a reputation - a couple years ago, X group of nefarious thieves broke in and stole Item Y, so his boys went out and got it back, and in the process took out an entire thieves' guild in City Z or ship full of pirates in Harbor AA with a #2 pencil, and then, on the way out, lit the place on fire.

Or who knows - maybe his boys want to retire, and the merchant is looking for a new group of heavies to do recovery - plot hook?

That, and a sizable liability insurance policy. Haven't invented insurance in your timeline yet? Maybe this is the guy what does it!

Elder-Basilisk said:
And could he afford all of these precautions (assuming he takes about a 25-30% commission+identification and security fees on all transactions (something which might explain why PCs generally buy magic items at full price but only get about half price when they sell them) and makes a fair number of high value transactions per year but probably not more than a few dozen)?

Probably not, unless he gets to the point of selling major magic items. Just how many of them are there in your game? Besides - how realistic are your economics, anyway? In the end, do you really care if he could afford it, or would you rather it just be a cool facet of your campaign and damn the cost?

Elder-Basilisk said:
Would it be reasonable for him to pay for his entire villa (or maybe just his treasure chamber) to be permanently dimensional locked? Or would he get a wizard to cast that before expecially high value transactions?

That might be more reasonable, but still pretty derned expensive...

Elder-Basilisk said:
What skills does he need himself (obviously, Bluff, Gather info, Knowledge (Local), Diplomacy, Sense Motive, Appraise, Profession (Merchant), and Use Magic Device but am I missing anything?)

Well, let me ask you this - are you tied to the idea of making him just an expert/aristocrat? Why not give him some middling levels of wizard himself? Maybe he went to wizarding college, had a mid-level INT but had a high CHA (mama says, sorcerers are like a box of chocolates, you never know how they're going to taste), and just became that one guy who could help you get anything? (You know the guy...) Need a love potion? Talk to Howard. Need a new magic wand, but don't want to pay retail? Talk to Howard. Need to get into the Spellcaster's Club for a hot date, but your scroll says your only 17 1/2? Talk to Howard. Failing your trancendental divination class because you can't achieve that 'special trance'? Talk to Howard, and tell him Jerry said to ask about the faerie fungus...

So, he graduated with mediocre grades but great connections, and his natural inclination led him in this direction... So, maybe he wasn't cut out for the life of a full time wizard, but can still adequately protect his business, and save casting costs on Identify/Analyze Dweomer/Arcane Lock, etc.


just some thoughts.
jtb
 

jerichothebard said:
I think a logical precaution would be a standing long-term contract with a well-known and mid-high level adventuring company to recover anything that goes missing from his home or business. They don't work for him on a regular 9-5 basis, but are on retainer as needed, with the standing agreement that anything else they (*ahem*) 'recover' in the process, they are free to keep.

That sounds like a good idea. In fact, he probably wouldn't even need to pay them per se. The lure of reduced brokering fees and access to his connections might well be sufficient. After all, if he can find the magic items they want, an ongoing relationship with him would be good for them and as long as he paid them when he needed their help, that might well be enough.

Give them some back story and a reputation - a couple years ago, X group of nefarious thieves broke in and stole Item Y, so his boys went out and got it back, and in the process took out an entire thieves' guild in City Z or ship full of pirates in Harbor AA with a #2 pencil, and then, on the way out, lit the place on fire.

Or who knows - maybe his boys want to retire, and the merchant is looking for a new group of heavies to do recovery - plot hook?

All good ideas. Maybe they can be developed in the future.

That, and a sizable liability insurance policy. Haven't invented insurance in your timeline yet? Maybe this is the guy what does it!

Well I don't think insurance is in the cards.

Probably not, unless he gets to the point of selling major magic items. Just how many of them are there in your game? Besides - how realistic are your economics, anyway? In the end, do you really care if he could afford it, or would you rather it just be a cool facet of your campaign and damn the cost?

Well the campaign is Greyhawk and I know there's hundreds of adventurers running around with things like boots of speed and +6 headbands of intellect out there. So there are plenty of major magic items. Of course this guy doesn't come into contact with all of them but--or even many of them. He generally deals with things in the 18,000-36,000gp range. If he brokers 2 dozen items in that price range per year that works out to about 162,000gp in commission and fees that he could use to finance his enterprise. Of course, analyze Dweomer spells would eat up 16,000gp of that by themselves and there's the yearly renewal of his Hallow spell and paying his guards, and maintaining contacts, etc that he needs to pay for out of all that.

Economics are more gameplay than realism driven at the moment but I want to create something of a plausible structure. Also, while the dimensional lock is a nifty idea and I'd be happy to have it in the campaign, there's a good possibility that the PCs may want to raid his safe and I don't want to make it unrealistically difficult (or easy). So, yes, he has to be able to afford it.

Well, let me ask you this - are you tied to the idea of making him just an expert/aristocrat? Why not give him some middling levels of wizard himself? Maybe he went to wizarding college, had a mid-level INT but had a high CHA (mama says, sorcerers are like a box of chocolates, you never know how they're going to taste), and just became that one guy who could help you get anything? (You know the guy...) Need a love potion? Talk to Howard. Need a new magic wand, but don't want to pay retail? Talk to Howard. Need to get into the Spellcaster's Club for a hot date, but your scroll says your only 17 1/2? Talk to Howard. Failing your trancendental divination class because you can't achieve that 'special trance'? Talk to Howard, and tell him Jerry said to ask about the faerie fungus...

So, he graduated with mediocre grades but great connections, and his natural inclination led him in this direction... So, maybe he wasn't cut out for the life of a full time wizard, but can still adequately protect his business, and save casting costs on Identify/Analyze Dweomer/Arcane Lock, etc.

I could do that. The difficulty with it is that I don't think the generic magic item broker ought to necessarily be a wizard. The wizard levels would also cut into his skills rather noticably if I gave him enough levels to do anything useful. (3-4 is probably the minimum since before Arcane Lock, there's not much he couldn't easily manage with cheap scrolls. (And even a clvl 6-8 arcane lock would be fairly easy to manage with scrolls since they're cheap (relative to the cost of traps and permanent Dimensional Locks) and he only needs to succeed once per location).
 

Also don't think of commision and such as always being gold. If he is dealing with an 18th level mage to aquire some item he could ask the mage to permament up an arcane lock (Or whatever is rules legal since I'm not sure if that is) instead of paying him finders fee. If he had several different mages /thievs etc doing his security, no single one would know all his defences just what they installed. This also cuts down on the predictablity of the traps. Each person working for him would install different traps/magic wards etc.

To be honest I assume there are a lot more spells available than what's in the PHB that are more domestic/business related. PHB spells are for adventurer's as would be expected but there has got to be some more commercially useful but Adventure useless spells.

later
 

I can see him also sending said mercenary adventurer's group to aquire a Spectator (beholder-kin) for him so he can have it guard the treasure room itself. They aren't evil and that is what the creature was designed to do.
 

What about the government authorities? Generally they don't take too kindly to things like theft. If the enforcers of the kingdom are 20th level specialists, I would think that people's wealth would be protected rather well without even having to go to great lengths on an individual basis.
 

How about a Guild of Brokers?

Suitably medieval and they were formed to stop merchants being messed about by the nobility. I think this situation is comparable?

If you mess with one broker then you mess with all of them. Perhaps they tithe 5% of any fees to keep good (centrally held) connections with the usual powerful groups - adventurers, assasin guilds, powerful diviners, mercenary groups, royal families, etc, etc.

After all, most of these groups also want business to flow smoothly - robbed brokers will not help that?

If you're going to mess with/steal from a broker then you may get away with it... just not for very long!


As for defenses, I'd add: any face to face negotiations take place in an anti-magic field. Rely on actual skills rather than magic... the brokers going to be good at that sort of stuff. And a punter with a potion of glibness (+30 bluff, undetectable lies, IIRC) could really ruin a brokers day!
 
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Bards make excellent brokers, as they have some magic and the people skills to make something like this work. Another thing to keep in mind is that he doesn't have to buy all the fancy-schmancy protections himself - perhaps he uses chambers at the Wizard's Guild for the days he needs to make deals. He could keep the items in a vault in the most secure banker's vault in Greyhawk, and so on. He won't have to hire the expensive guards full-time; maybe he has several groups of freelancers who he uses when the need arises; that way he doesn't have to pay a full contingent for minor negotiations, but he could pull in a bigger than normal crew if he has to deal with a major transaction (either multiple items or very expensive items). His commissions are likely to be in minor items and barter - adventuring grous won't always have enough coin on hand to cover 20% of a 36,000 gp item, but they would have minor items, gems, and jewelry.
 

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