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Message: <blockquote data-quote="Morrus" data-source="post: 6160293" data-attributes="member: 1"><a href="http://www.enworld.org/forum/showwiki.php?title=d20%20Modern:d20%20Modern%20System%20Reference%20Document&redirect=no" target="_blank"><img src="http://www.enworld.org/newsimages/d20_mod_srd_small.jpg" alt="" class="fr-fic fr-dii fr-draggable " data-size="" style="" /></a>Every character has a Wealth bonus that reflects his or her buying  power—a composite of income, credit rating, and savings. A character’s  Wealth bonus serves as the basis of the character’s Wealth check, which  is used to purchase equipment and services for the character. [h=5]Wealth Bonus[/h] To determine a character’s starting Wealth bonus, roll 2d4 and add  the wealth bonus for the character’s starting occupation, plus (if  appropriate) the bonus from the Windfall feat, plus 1 if the character  has ranks in Profession. Over the course of play, the hero’s Wealth bonus will decrease as the  hero purchases expensive items and increase as the hero gains levels. A character’s Wealth bonus can never fall below +0, and there is no limit to how high the Wealth bonus can climb. Since Wealth is an abstract concept, it’s sometimes difficult to  determine how financially well off a character is. To get a general  sense of how financially solvent a character is at any given time, check  the table below. [TABLE="class: outer_border, width: 250"] [TR] [TD="width: 100"]Wealth Bonus[/TD] [TD="width: 150"]Financial Condition[/TD] [/TR] [TR] [TD]+0[/TD] [TD]Impoverished or in debt[/TD] [/TR] [TR] [TD]+1 to +4[/TD] [TD]Struggling[/TD] [/TR] [TR] [TD]+5 to +10[/TD] [TD]Middle Class[/TD] [/TR] [TR] [TD]+11 to +15[/TD] [TD]Affluent[/TD] [/TR] [TR] [TD]+16 to +20[/TD] [TD]Wealthy[/TD] [/TR] [TR] [TD]+21 to +30[/TD] [TD]Rich[/TD] [/TR] [TR] [TD]+31 or higher[/TD] [TD]Very Rich[/TD] [/TR] [/TABLE]   [h=5]Purchasing Equipment[/h] Wealth checks are used to determine what characters can afford and  what gear they might reasonably have access to. Every character has a  Wealth bonus that reflects his or her buying power. Every object and  service has a purchase DC. To purchase an object, make a Wealth check  against the purchase DC. [h=5]The Wealth Check[/h] A Wealth check is a 1d20 roll plus a character’s current Wealth  bonus. The Wealth bonus is fluid. It increases as a character gains  Wealth and decreases as the character makes purchases. If the character succeeds on the Wealth check, the character gains  the object. If the character fails, he or she can’t afford the object at  the time. If the character’s current Wealth bonus is equal to or greater than the DC, the character automatically succeeds.  If the character successfully purchases an object or service with a  purchase DC that’s higher than his or her current Wealth bonus, the  character’s Wealth bonus decreases.  [h=5]Wealth and the Starting Hero[/h] A newly created 1st-level character’s Wealth bonus is +0 plus:<ul> <li data-xf-list-type="ul">Wealth provided by the character’s starting occupation. </li> <li data-xf-list-type="ul">Bonus from the Windfall feat, if taken. </li> <li data-xf-list-type="ul">2d4 die roll. </li> <li data-xf-list-type="ul">+1 for having 1 to 4 ranks in the Profession skill. </li> </ul>[h=5]Shopping and Time[/h] Buying less common objects generally takes a number of hours equal to  the purchase DC of the object or service, reflecting the time needed to  locate the wanted materials and close the deal. Getting a license or  buying an object with a restriction rating increases the time needed to  make purchases. [h=5]Taking 10 and Taking 20[/h] A character can usually take 10 or take 20 when making a Wealth check. Taking 20 requires 20 times as long as normal. Also, there is a penalty for spending beyond a character’s means.  Whenever a character buys an object that has a purchase DC higher than  his or her current Wealth bonus, the character’s Wealth bonus decreases  (see below). [h=5]Try Again?[/h] A character can try again if he or she fails a Wealth check, but not  until the character has spent an additional number of hours shopping  equal to the purchase DC of the object or service.  [h=5]Aid Another[/h] One other character can make an aid another attempt to help a  character purchase an object or service. If the attempt is successful,  that character provides the purchaser with a +2 bonus on his or her  Wealth check.  The character who provides the aid reduces his or her  Wealth bonus by +1.  [h=5]Losing Wealth[/h] Any time a character purchases an object or service  with a purchase DC higher than his or her current Wealth bonus, or one  with a purchase DC of 15 or higher, the character’s Wealth bonus goes  down. How much the Wealth bonus is reduced depends on how expensive the  object is. [TABLE="class: outer_border, width: 400"] [TR] [TD="width: 250"]Object or Service Purchase DC[/TD] [TD="width: 150, align: right"]Wealth Bonus Decrease[/TD] [/TR] [TR] [TD]15 or higher[/TD] [TD="align: right"]+1 point[SUP]1[/SUP][/TD] [/TR] [TR] [TD]1–10 points higher than current Wealth bonus[/TD] [TD="align: right"]1 point[/TD] [/TR] [TR] [TD]11–15 points higher than current Wealth bonus[/TD] [TD="align: right"]1d6 points[/TD] [/TR] [TR] [TD]16 or more points higher than current Wealth Bonus.[/TD] [TD="align: right"]2d6 points[/TD] [/TR] [TR] [TD="colspan: 2"]1 This stacks with the loss from a Purchase DC above the character’s current wealth bonus.[/TD] [/TR] [/TABLE] Along with this loss, any time a character buys an object or service  with a purchase DC of 15 or higher, the character reduces his or her  current Wealth bonus by an additional 1 point.  A character’s Wealth bonus only goes down if he or she successfully  buys an object or service. If the character attempts to buy something  and the check fails, his or her Wealth bonus is unaffected. [h=5]Wealth Bonus of +0[/h] A character’s Wealth bonus can never decrease to less than +0. If a  character’s Wealth bonus is +0, the character doesn’t have the buying  power to purchase any object or service that has a purchase DC of 10 or  higher, and can’t take 10 or take 20.  Also, it always takes a number of hours equal to the purchase DC of the object or service. [h=5]Regaining Wealth[/h] A character’s Wealth bonus recovers as the character advances. Every time a character gains a new level, make a Profession check.  (If the character has no ranks in the skill, this check is a Wisdom  check.) The DC is equal to the character’s current Wealth bonus. If the  character succeeds, his or her current Wealth bonus increases by +1. For  every 5 points by which the character exceeds the DC, he or she gains  an additional +1 to his or her Wealth bonus. [h=5]Wealth Awards[/h] Adventuring may result in characters finding valuable items. In such cases, the benefit translates into a Wealth award.  [h=5]Selling Stuff[/h] To sell something, a character first needs to determine its sale  value. Assuming the object is undamaged and in working condition, the  sale value is equal to the object’s purchase DC (as if purchased new)  minus 3.  Selling an object can provide an increase to a character’s Wealth  bonus. The increase is the same amount as the Wealth bonus loss the  character would experience if the character purchased an object with a  purchase DC equal to the sale value.  Regardless of the character’s current Wealth bonus, he or she gains a  Wealth bonus increase of 1 whenever the character sells an object with a  sale value of 15 or higher. If A character sells an object with a sale  value less than or equal to his or her current Wealth bonus, and that  sale value is 14 or lower, the character gains nothing.  A character cannot legally sell restricted objects unless the  character is licensed to own them. A character also cannot legally sell  objects that have been reported as stolen. Selling objects illegally  usually requires that the character have contacts in the black market,  and reduces the sale value by an additional 3. Selling takes a number of  hours equal to the normal purchase DC of the item.</blockquote>

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