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Message: <blockquote data-quote="evilbob" data-source="post: 4041158" data-attributes="member: 9789">Honestly, the air/debt one just depends on the campaign.  If you never really encounter situations where the character would need to go underwater, then it's not a big deal - negligible, in fact, to most campaigns.  But if this were a water-based campaign, it could be a huge deal.  It's up to you, as the GM, to decide how much of a penalty and how big of a reward you want it to be, since those are pretty much situational.  Overall I'd say that is perfectly balanced - if neither come up frequently anyway.The -1 AC and reflex for +1 fort, will, and HP/level is something I would worry a bit more about; as a player, I don't think I'd take that deal - but then again, it really depends on the character.  Unless this is a character who already has a ton of AC, the -1 AC will come up a lot more often than the saves, and +1 HP probably won't offset it.  If you're a fighter, it's probably not worth the trade.  Then again, if the character is a mage, it'd be great:  you shouldn't be getting hit anyway and your AC is already poor, so why not bolster your saves and have a couple more HP for when you do get slammed?I like your flavor ideas, and they seem well-envisioned, but the fairness just depends on the character and how big of a gain/loss it is for them.</blockquote>