ECONOMICS

Designed for Civilian and Business interactions within the world of Halo.

An expansion that broke me for Mythic 6.1 and newer

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 CONTENTS
TRADES .................................................................................................................................................................................... 3
ECONOMIC RULES ................................................................................................................................................................... 4
AVAILABILITY ....................................................................................................................................................................... 4
QUALITY .............................................................................................................................................................................. 4
BLACK MARKET DEALS ........................................................................................................................................................ 4
AVAILABILITY ....................................................................................................................................................................... 5
QUALITY .............................................................................................................................................................................. 5
RESEARCH AND MANUFACTURING......................................................................................................................................... 6
RESEARCHING FOR MANUFACTURING ............................................................................................................................... 6
PROTOTYPING ..................................................................................................................................................................... 6
UNFINISHED PROTOTYPES .................................................................................................................................................. 7
SELLING PRODUCTS................................................................................................................................................................. 7
RATE OF SALES .................................................................................................................................................................... 7
SELLING IN BULK ................................................................................................................................................................. 7
PRODUCTION AND INFRASTRUCTURE .................................................................................................................................... 8
PRODUCTION LNIES: TIME AND COST................................................................................................................................ 8
RENTING PRODUCTION LINES ............................................................................................................................................. 8
INFRASTRUCTURE ............................................................................................................................................................... 8
BUILDING CONSTRUCTION.................................................................................................................................................. 9
PURCHASING BUILDINGS .................................................................................................................................................... 9
SPENDING INFRASTRUCTURE ........................................................................................................................................... 10
TAXES, TARIFFS, TOLLS .......................................................................................................................................................... 11
SMUGGLING ...................................................................................................................................................................... 11
BANKS AND LOANS ............................................................................................................................................................... 12
INSURANCE ....................................................................................................................................................................... 12
PATENTING YOUR PRODUCTS ............................................................................................................................................... 13
LICENSING FOR PRODUCTS ............................................................................................................................................... 13
INVESTING ............................................................................................................................................................................. 13
BUSINESS AND INVESTMENT EVENTS ............................................................................................................................... 14

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 TRADES
LEARNING TRADES
Trades are the same as Educations but learned as a way to perform a
service. If a Character has an Education, they may learn the Trade
version of it at only 50 Experience or by paying the difference in
Experience between the two.
TRADE LIMITATIONS
Trades and Educations share the same limits for how many can be
taken. However, an Education and Trade that cover the same topic
can be combined into one.
LACKING TRADE
A Character lacking a Trade will not be able to properly perform the
service required. A Character without the Woodworking Trade will
not be able to perform the Woodworking service for profit. If the
Character has an Education that would work for a Trade, they may
perform the service with the pay reduced by 1.
LACKING A TRADE
Use Trades the same way you’d use Educations. This includes
Education Tests, Skill Use, and any other rules involved. There are jobs
that can be done without a trade, such as manual labor. These jobs
have a Pay of 1 and can still receive the benefit of gaining Fatigue to
increase the Pay for the day.
PAY
When performing a Trade for service, the Character will receive Pay
based on the Trade. Pay is the daily amount of cR the Character gains.
When a Character performs a service, they are spending a minimum
of 8 hours of the day working.
While working, the Character makes a test by rolling a D100.
The following Chart will show the outcome of the Character being
able to find work and having the option to take extra work for
increased Pay at the cost of Fatigue. Extra work is optional.
TEST RESULT
01-05 The Character couldn’t find proper work for the day. Pay
is reduced by 1.
06-75 The Character finds work as normal. Pay is unaltered.
76-85 The Character is able to find extra work. Pay is increased
by 1 and the Character gains +1 levels of Fatigue.
86-90 The Character finds plenty of extra work. Pay is increased
by 2 and the Character gains +2 levels of Fatigue.
91-100 The character finds a lot of extra work, Pay is doubled and
the Character gains +3 levels of Fatigue. If the pay being
doubled wouldn’t pay more than the previous Result,
increase pay by until it is 1 higher.

TRADES TYPE DESCRIPTION PAY +5 +10

Cooking Basic Food preparation, serving, and other food-related jobs. Use with Technology and Survival Skills. 2 50 100
Factory Work Basic Working factory lines, production lines, packaging, etc. Technology Skill. 4 50 100
Cobbling Basic Shoe craftwork, creation and repair. Used with Technology Skill. 2 50 100
Tailoring Basic Clothing creation, alteration, and repair. Covers Tailoring, Glover, Hatmaker and Seamstress. Used with 2 50 100
Technology and Survival Skills.
Blacksmithing Basic Armor creation and repair. Used with Technology Skill. 4 100 200
Weapon Basic Weapon creation and repair. Covers Weapon Smithing and Cutler. Used with Technology Skill. 4 100 200
smithing
Locksmithing Basic Creating and repairing locks and keys, unlocking locks and replacing keys. Used with Technology and 3 75 150
Security Skills.
Escorting Basic Knowledge of locations, travel, and safety. Put to use escorting others safely to desired locations. Covers 5 125 250
Escort, Drayman, Ferryman and Watchman. Used with Navigation and Survival Skills.
Architecture Advanced Knowledge of building, blueprints, and more. Covers Masonry and Carpentry. Used with Technology and 5 125 250
Security Skills.
Entertainer Basic Knowledge of entertainment, including music, comedy, etc. Covers Entertainers, Jesters, and Musician. 2 50 100
Used with any Social Skills.
Artist Basic The ability to paint or perform other artistic expression. Used with any Social Skills. 3 75 150
Handler Advanced Capability of handling and training animals. Covers Messenger Pidgeon, Dog Trainer, Mount Trainer, and 3 75 150
others involving animals. Used with Survival and any Social Skills.
Religion Basic Jobs based on religion, whether it be a pastor, a pardoner, and more. Used with any Social Skills. 2 50 100
Weaver Basic Basketwork, weaving work, and the creation of cloth. Covers Weaver and Ropemaker. Used with Survival 2 50 100
and Technology Skills.
Jeweler Advanced Molding, carving, cutting, and more. Covers metals and stones for jewelry. Used with Technology Skill. 6 150 300
Wordworking Basic The use of carving, cutting, and assembling with wood. Covers Cartwright, Woodcarver, and more. Used 3 75 150
with Technology and Survival Skills.
Medication Advanced The use of medication, doctor work, and more. Used with Medication, Survival, and Technology Skills. 6 150 300
Merchant Basic One that buys and sells goods, including travel and trade. Used with any Social Skills. 3 75 150
Demolitions Advanced While the Education for Demolitions is Basic, the Trade is Advanced as you are doing difficult chemical 5 125 250
work on a daily basis to create explosives. Used with Demolition and Technology Skills.
Hunting Basic Hunting and fishing for food. Includes foraging for plant life. Used with Investigation, Athletics, 3 75 150
Technology, Security, and Survival Skills.
Farming Basic Farming of crops, food, and plant life. Used with Survival< technology, and Investigation Skills. 3 75 150
Cyberneticist Advanced Technology and Intellect Skills. 2 150 300
Banker Advanced Negotiation and Technology Skills. 4 100 200
Merchant Basic Negotiation Skill. 3 75 150
Mechanic Basic Repair and upkeep on vehicles. Used with Technology Skill. 3 100 200

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 ECONOMIC RULES
AVAILABILITY
Trade systems were slow, bartering was common, and many places
were closed off from the rest of the outside world. The GM may roll
to see if the any requested goods and services are available.
The GM may apply further changes to the Availability
percentage based on narrative themes such as material shortages,
war, trade route issues, overabundance, etc.
On failed rolls, the GM and Players may reroll with a +10 to
the Availability percentage to find if the item they’re looking for can
be delivered from another town. In doing so, the GM then rolls 5D10
to see how many days it would take for the item to arrive. For each
day, the price of the items being delivered are increased by 1 cR.
QUALITY
Quality is an optional Rule GMs can use to introduce more interesting
scenarios in the world of buying and selling. When a Character is
looking at equipment to buy or are scavenging from a battle, the GM
can roll a D100. The result of this roll is the quality of the weapon,
which can be found in the table at the bottom of the page.
Characters may use their Investigation Skill to determine
the quality. This may be improved with Educations such as Armor and
Weaponsmith. If Successful, the Character determines the quality.
The GM may use this to sell Characters lesser goods at
normal prices if they fail their Investigation Tests. The GM may then
let the Player know the quality of their weapon when they first make
an Attack with it, or the Armor when they are first struck.
The GM may also let Characters attempt to fool merchants
by buying goods outside of the price of their true quality. This is where
the various Social Skills come into play.
CHANGES IN QUALITY
When a Weapon or Armor takes enough Break Point Damage, the
Quality of the Weapon can change.
EXCHANGING CURRENCY
When traveling locations, there is a currency exchange that may need
done in order for a player to still use their currency. When the
Characters go somewhere that uses a different currency, the GM may
roll a 1D100, where the outcome lists the difference between the
currencies at the current time. For example, the current currency may
be weaker, thus having more buying power for the players.
1D100 OUTCOME
1-4 20% loss in currency transaction.
5-10 15% loss in currency transaction.
11-20 10% loss in currency transaction.
21-39 5% loss in currency transaction.
40-70 Currencies are equal in current value.
71-80 5% gain in currency transaction.
81-90 10% gain in currency transaction.
91-94 15% gain in currency transaction.
95-100 20% gain in currency transaction.
FINDING SUPPLIERS FOR TRADING, BROKING, ETC
The larger the world, the easier it is to find trading and supply lines to
meet your needs. The larger the city or more advanced a planet’s
economic infrastructure, the much easier it becomes to find what
you’re looking for. It also becomes much easier for law enforcement
to begin suspecting illegal trading and brokering.
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To find a supplier or broker, use the Availability based on
the type of location the Players are currently in. The time that it takes
to find a supplier is based on the type of goods or needs.
If other Characters are assisting in the Research, reduce the
hours by 1 for each Character assisting, to a minimum of 1 hour.
SUPPLIER OUTCOME
Goods 1D5 hours, reduced by 1 for each Degree of Success
Services 1D10 hours, reduced by 2 for each Degree of Success
Trading 1D5 hours, reduced by 1 for each 2 Degrees of Success
Broker 1D10 hours, reduced by 1 for each 2 Degrees of
Success
Black 3D10 hours, reduced by 2 hours for each Degree of
Market Success.
BLACK MARKET DEALS
Black Markets are illegal underground trading circuits that allow
people to get their hands on illicit goods or use backdoor means to
gain access to goods at a cheaper rate by avoiding taxes, tariffs, or
government fees.
The Black Market can be accessed using the Black Market
Street Smarts Education. A Successful Black Market Test using a
chosen Skill will give the Players access to the Black Market. This Test
can be given Bonuses or Penalties based on the population and
economics of the location.
Black Market prices will increase based on rarity and how
dangerous the item is. Weapons will always be at a 2x multiplier in
price, while Covenant goods will be at an extra 3x multiplier in price.
Forerunner goods will be at a 10x multiplier in price. That is, if you can
even get the trust of your sellers.
Rarity should also play a part in the price. The GM may use
the Availability Chart. Roll a D100 for the location the Characters are
currently in. For every 10 over the listed number, the price gains a
+1.5 to the multiplier of the item.
The GM may treat any failed rolls with 2 or more Degrees
of Failure as a way to alert law enforcement or to gain the ire of those
who run the black market.
BUYING IN BULK
Buying in bulk will reduce the total price per item based on the
amount being purchased and based on the total price. The cost of an
item cannot drop below 1 cR per item, and the total reduction of price
is at a minimum of -1 cR.
Anything that would normally be purchased in bulk cannot
gain the benefits of buying in bulk of 10-100. This includes things like
ammunition, glowsticks, cigarettes, or anything else that is commonly
purchased in these amounts.
AMOUNT OUTCOME
50+ The price is reduced by 5%. Some items exempt.
200+ The price is reduced by 10%. 25% of the money
must be paid upfront.
2,000+ The price is reduced by 20%. 50% of the money
must be paid upfront.
10,000+ The price is reduced by 30%. 60% of the money
must be paid upfront.
100,000+ The price is reduced by 50%. 80% of the money
must be paid upfront.
 AVAILABILITY
ITEM OUTPOST TOWN CITY METROPOLISE ECONOMIC ZONE
General Goods 85% 90% 100% 100% 100%
Services 85% 95% 100% 100% 100%
Travel and Work Equipment 50% 75% 100% 100% 100%
Tools 90% 95% 100% 100% 100%
Local Weapons 80% 85% 95% 100% 100%
Uncommon Weapons 50% 65% 80% 95% 100%
Covenant Equipment 1% 2% 5% 10% 25%
Forerunner Equipment 1% 1% 1% 1% 2%
Military Infantry Equipment 10% 40% 60% 80% 100%
Heavy Military Equipment 1% 2% 30% 50% 80%
Black Market Availability -20 Penalty -10 Penalty -- +10 Bonus +30 Bonus
Building Construction 50% 65% 100% 100% 100%
Commercial Real Estate 10% 50% 100% 100% 100%
Space Port 15% 35% 100% 100% 100%
Food Production Line 1% 25% 100% 100% 100%
Standard Production Line 1% 15% 100% 100% 100%
Large Assembly Line 1% 2% 5% 75% 100%
Shipyard Assembly Line 5% 1% 5% 25% 25%
Advanced Production Line 1% 1% 5% 10% 10%
Warehouse 1% 1% 100% 100% 100%
Office Building 1% 5% 100% 100% 100%
Factory 5% 10% 100% 100% 100%
Shipyard 10% 5% 15% 25% 50%
Dry Dock 25% 15% 85% 100% 100%
Storefront 50% 100% 100% 100% 100%
Space Station 1% 1% 10% 85% 100%
Trade Outpost 85% 15% 75% 95% 100%
Research Facility 1% 1% 5% 25% 50%
Bank 25% 85% 100% 100% 100%
Mining Facility 20% 5% 25% 25% 25%
Mechanic Garage 50% 75% 100% 100% 100%
Hospital 20% 60% 100% 100% 100%
Power Plant 15% 35% 80% 100% 100%
Transportation Hub 25% 15% 100% 100% 100%
Space Elevator 5% 5% 85% 95% 100%

QUALITY
QUALITY CHANCE EXPLANATION
Cheap 1-10 The product is cheaply made. Breakpoints of Cheap products are reduced by 50%.
Weapons: Reduces Base Damage by 5 and Pierce by 2. If the weapon does not have Pierce, it loses 6 Base Damage,
instead.
Armor: Reduces Armor Rating on all Locations by 5.
Vehicles: Reduces Acceleration, Braking, and Top Speed by 50%.
Poor 11-20 The product is cheaply made. Breakpoints of Poor products are reduced by 25%.
Weapons: Reduces Base Damage by 1 and Pierce by 2. If the weapon does not have Pierce, it loses 2 Base Damage,
instead.
Armor: Reduces Armor Rating on all Locations by 3.
Vehicles: Reduces Acceleration, Braking, and Top Speed by 25%.
Standard 21-97 The weapon or armor is unchanged from the stats.
Premium 98-99 The product is high quality. Breakpoints of Premium products are increased 50%.
Weapons: Increases Base Damage by 1 and Pierce by 2. If the weapon does not have Pierce, it gains 2 Base Damage,
instead.
Armor: Increases Armor Rating on all Locations by 2.
Vehicles: Increases Acceleration, Braking, and Top Speed by 10%.
World- 100 The product is near perfection. Breakpoints of World-Class products are doubled.
Class Weapons: Increases Base Damage by 3 and Pierce by 2. If the weapon does not have Pierce, it gains 4 Base Damage,
instead.
Armor: Increases Armor Rating on all Locations by 4.
Vehicles: Increases Acceleration, Braking, and Top Speed by 20%.

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 RESEARCH AND MANUFACTURING
RESOURCES
Resources are needed for manufacturing or can be used for trading.
Resources are the materials needed for manufacturing goods and
creating prototypes.
Resources will always be cheaper than the final product,
and the resource needed is equal to 40% of the total price of the item
being made. Resources are generally purchased in bulk but can still
be purchased in small enough amounts for the needs of creating
single items or prototypes.
FABRICATION AND MANUFACTURING
Manufacturing goods is both an expensive and lucrative business
option, allowing Characters to research, gather materials, and begin
mass-production of desired items for the use of selling, trading, and
use on the battlefield.
Fabrication and Manufacturing requires owning
manufacturing plants and warehouses or renting out the use of these
services from others. The Players and GM must first discuss and
decide the approach the Players will be taking. Are they going to own
the means of their own production, or will they be paying for the
means of production.
To begin this process, the Characters must first have a
Prototype created, alongside a detailed process for the creation of the
object that can be followed for mass-production.
RESEARCHING FOR MANUFACTURING
Using a fitting Education or hiring someone with said Education, the
Character must roll an Education Test. The amount of time needed to
complete the research to begin prototyping is listed in the table
below. For each Character assisting in the Research, the Test is
reduced by 1D10, to a minimum of half of the dice originally listed.
COMPLEXITY OUTCOME
Simple Commonly mass-produced goods. Examples
include culinary, brewing, tailoring goods, etc.
1D10+10 days, reduced by 1 day for each Degree of
Success.
Basic Commonly mass-produced goods that have some
complicated parts, materials, or manufacturing
needs. Examples include standard firearms, normal
body armors, agriculture needs, etc. 6D10+15 days,
reduced by 1 day for each Degree of Success.
Advanced Rarely produced goods or mass-produced goods
that have many complicated needs to create.
Examples include non-standard firearms,
aeronautics, military, etc. 8D10+25 days, reduced
by 1 day for each Degree of Success.
Cutting-Edge New, incredibly rare goods, or goods that are
almost never produced in large numbers. Examples
include Slipspace, alien technology, military
prototypes, etc. 10D10+30 days, reduced by 1 day
for each Degree of Success.
PROTOTYPING
Prototyping is when a Character has early versions of the goods
developed for testing. Prototyping can be an expensive process that
can be eased by reverse-engineering and Infrastructure.
Prototypes cost money to create. Each day, creating
Prototypes of a product costs cR equal to the final cost of the product,
not counting Premium or World-Class products. This means that the
more the Character fails on a prototype, the more expensive it
becomes. The goal is to get the Prototype Characteristic of the item
being made to a set value based on its complexity. For example, a
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Basic complexity prototype needs a Prototype Characteristic of 80 to
be considered a complete success.
To begin prototyping, the Character will make an Education
Test fitting to the product being created, or an Intellect Test without
the Education. Simple Prototypes gain a +20 Bonus, Basic Prototypes
gain no Bonus or Penalty, Advanced Prototypes gain a -10 Penalty,
and Cutting-Edge Prototypes gain a -20 Penalty.
For every Degree of Failure, the Character will have wasted
a day and gain no progress. For every Degree of Success, the
Character gains +10 to the Prototype Characteristic and add 1 day to
the amount of time that has passed.
Depending on the complexity of the product being created,
the Prototype Characteristic must equal a set number to be
considered finished and without any faults. This means your product
will be ready for manufacturing.
IMPROVING QUALITY
There are two types of Qualities that can be obtained only by pushing
a Prototype far beyond its original needed Characteristic. These are
Premium and World-Class. Certain items also gain extra benefits, such
as firearms, armor, vehicles, and more.
Premium Quality increases the price a product can be sold
by, by double.
World-Class Quality increases the price a product can be
sold by, by quadruple.
COMPLEXITY STANDARD PREMIUM WORLD-CLASS
Simple 200 300 400
Basic 300 450 600
Advanced 400 600 800
Cutting-Edge 600 900 1,200
CHEAP AND POOR QUALITY
Sometimes there is need for lower quality goods, such as cheaper,
less premium goods that lower-income families can afford. Some
businesses may also look for lower-quality tools and goods to
purchase to make their own products with. The players can
purposefully reduce the Quality of a product to Cheap or Poor.
Depending on the product and reasoning of the Players, the
GM can decide not to punish the players for making lower quality
goods. As an example, cheap vehicles can be created for lower prices
to increase the possibility of selling the vehicle as an affordable
option.
LARGE-SCALE PROTOTYPING
The larger the scale that a prototype is, the longer it will take and the
possibility of more needs to finish the project. For example, vehicles
are larger than something like creating a firearm. These will take more
time.
For every Size Point of a vehicle prototype, it will take 1
extra day per each Test made and the Character will need access to a
garage or enough room outside to perform the work needed.
For things like starships, every Test will instead take 1 week
to be made and the Character will need access to a ship dock and the
tools it takes to manufacture something of this scale.
REVERSE ENGINEERING FOR PROTOTYPING
Reverse Engineering a similar product will give benefits to the
Prototype Characteristic. Each day when the Character is rolling the
Test to attempt to increase their Prototype Characteristic, the
Character must also roll a Technology Test. This will be the Character
attempting to understand and make use of the existing product or
item as they work on their own prototype.
 For every Degree of Success on the Technology Test, the
Character will gain an extra +5 Bonus to the Prototype Characteristic,
to a maximum of +20.
If the Character gains half or more of their total Prototyping
Characteristic on the product from reverse engineering, the GM can
allow for eventual issues where the Character can get in trouble for
copying a product, infringing on copyrights, etc.
When attempting to reverse-engineer alien technology,
make sure the Character is rolling on the proper Technology
Characteristic needed. The GM should also make sure to introduce
Penalties based on the possible complexity of the item being reverse
engineered.
AI ASSISTED PROTOTYPING
When an Smart AI or Dumb AI Character is assisting in the Prototype
phase of a product, they are able to make double the Prototype Tests
per day, and every Degree of Failure will take half of a day, instead of
a full day.
UNFINISHED PROTOTYPES
If a Prototype is unfinished, but the Character wants to rush it into
production, the Character must roll on the chart below. The Character
must roll a D100 and add the total amount of missing Prototype
Characteristic needed to finish the Prototype. For example, if the
Prototype was at 80, then the Character will roll D100+20. It is up to
the GM to decide what type of possible issue the prototype will have.
1D100 OUTCOME
1-20 The product is reliable and works fine. There is no
seeming issues with the prototype.
21-50 The product is unreliable after prolonged use. This
could mean having reloading or jamming issues on
firearms, issues with molding on food, etc.
51-60 The product is heavier than the original intended goal
by 25%.
61-80 The product is disruptive after prolonged use. This
could mean rounds exploding in the chamber of a gun,
parts breaking after a month of use, and electronics or
vehicles being prone to part failure.
81-100 The product is difficult and expensive to repair,
doubling the price and time needed to repair. There is
also a chance that smaller shops will refuse to work or
refurbish the product.
101-120 The product is more expensive than originally
intended, increasing the price per product by 25%, to
a minimum of 1 cR.
121-130 The product is disruptive when trying to use it, having
a high chance of issues of use, whether it be longer
reloads on a gun, being difficult to use or understand,
or be unattractive as a competitor to other products.
131-140 The Product is considered Poor Quality on the Quality
Chart.
141-150 The Product is considered Cheap Quality on the
Quality Chart.
151+ The product has more than one issue. Reroll on this
chart two times. If this has been rolled on more than
once, continue to reroll.
SELLING PRODUCTS
Selling a product is not a guaranteed process. Sometimes product will
take a long time to sell, other times a product may never find a place
in the market. A strong product with good research will go a long ways
to make sure that a product is successful.
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When a product is ready to hit the market, the Player will
make a Charisma, Leadership, or Intellect Test. This can be improved
by various fitting Educations depending on the market, product, or
locations the product will be sold.
The GM can then give a +10 Bonus to the Test if the
Characters involved made proper research and followed necessary
procedures. The Character gain also gain a +10 Bonus for each
partnership that was gained or used to make the product, such as
military bodies, investors, banks, merchants, and other corporations.
Products that have a common use will also gain another +10
Bonus to this Test, and Products that don’t have competition and
have a market can gain an extra +10 Bonus to this Test. Some products
may also have almost no chance of failure and the GM should take
this into account.
Products that were built from unfinished prototypes will
give a -10 Penalty to the Test for every issue that was rolled. Issues
that can be seen right away will give an extra -10 Penalty to the Test.
The Characters can also decide to sell their product at a
higher cost, or selling a lower-quality item for the same price as a
higher-quality competitor. If the product cost is considered too much
higher, especially higher compared to rivaling products, the GM can
give extra Penalties to this Test, anywhere from -10 all the way to -40,
depending on the severity of the price difference.
SUCCESS OR FAILURE OF THE SELLING TEST
If this Test fails, the product fails to sell 20% of the total product. For
each Degree of Failure, the percentage of unsold product is increased
by +10%, to a maximum of 100%.
If this Test succeeds, the product succeeds in selling, and
each Degree of Success will help increase the time in which the sales
are made. Each Degree of Success will increase the amount sold by
10%, to a minimum of +1 sold per day.
RATE OF SALES
The rate at which goods will sell is based on the success of the
product. Starting at 1 sold per day, each Degree of Success on the
previous Selling Test will increase this by +10. This number is then
increased by the Infrastructure Characteristic that the Characters may
have.
The speed of sales can be increased by taking out adspace.
Adspace is a Characteristic that will increase how many are sold per
day, which will begin at 0 and increase by 5 for every 100 cR you
spend. The Character then makes an Intellect, Charisma, or
Leadership Test. For every Degree of Failure, adspace is reduced by 1.
For every Degree of Success, adspace is increased by 1. The GM may
give bonuses to this Test if the Players have a good plan for adspace
and properly roleplay it, the better the idea, the higher the Bonus
should be. The same can also go for penalizing bad ideas.
SELLING IN BULK
Characters can gain business partners who can agree to buy certain
amounts of products. This could be a partner that agrees to buy a set
amount, a percentage of total production, or even an agreement to
buy all that is produced.
Selling in bulk to a company like this will reduce that
amount needed to sell through rate of sales. If the company agreed
to buy all that was produced, then the Rate of Sales could be ignored
entirely. Examples of this could include the UNSC purchasing all of the
firearms you are producing, or a food chain purchasing 50% of all food
items you are producing.
These could come with agreements made between the two
parties. A company agreeing to purchase all goods could come with
the downside that they would purchase them at a lower amount. But
the upside comes from the fact that you know all of these products
will be sold regardless.
 PRODUCTION AND INFRASTRUCTURE
PRODUCTION LNIES: TIME AND COST
Production Times will be based off of the complexity of the items
being created per production line, as well as the Plant type needed to
perform the manufacturing process.
The cost will be based on the item and the production
needed. This does not cover the Resources needed but does cover the
cost of energy, employees, and miscellaneous supplies needed for
running the line.
LINE TIME AND COST
Food Line Time: 1 hour per 10 items.
Bulk: Costs 10% of the item to manufacture.
Single: Costs 50% of the item to manufacture.
Cost to own: 500 cR per line.
Space: Takes up 1,000 Square Meters for full line.
Standard Time: 1 hour per 5 items.
Production Bulk: Costs 20% of the item to manufacture.
Line Single: Costs 75% of the item to manufacture.
Cost to own: 650 cR per line.
Space: Takes up 1,500 Square Meters for full line.
Large Time: 1 hour per item.
Assembly Bulk: Costs 30% of the item to manufacture.
Line Single: Costs the price of the item to manufacture.
Cost to own: 780 cR per line.
Space: Takes up 10,000 Square Meters for full line.
Shipyard Time: 1 week per item.
Assembly Bulk: Costs 40% of the item to manufacture.
Line Single: Costs the price of the item to manufacture.
Cost to own: 15,000 cR per line.
Space: Takes up 250,000 Square Meters for full line.
Advanced Time: 1 hour per item.
Production Bulk: Costs 40% of the item to manufacture.
Line Single: Costs 2x the price of the item to
manufacture.
Cost to own: 2,000 cR per line.
Space: Takes up 3,000 Square Meters for full line.
FOOD LINE
Food Lines are your sanitized production lines designed for handling
food. These are assembly lines with multiple stations, each designed
to handle different foods in different ways. Preparation and cleaning
are an important part of this type of production line. These types of
production lines are also used for things like pesticides, herbicides,
and other agricultural products, as well.
STANDARD PRODUCTION LINE
Standard Production Lines cover a vast swath of production line use.
These will cover your simple and basic goods. Examples include
household goods, kitchen appliances, hygiene and cleaning solutions,
and more. Some more industrialized production lines can also handle
simple firearm designs such as pistols and rifles.
LARGE ASSEMBLY LINE
Large Assembly Lines are designed for various large-scale products,
whether it be vehicles, modular building pieces, or anything else that
takes a considerable amount of size to produce. Large Assembly Lines
can handle many large-scale projects as long as they aren’t as large as
something like a UNSC Frigate, or anything else that could house
hundreds of passengers.
8
SHIP YARD ASSEMBLY LINE
Ship Yard Assembly Lines are Assembly Lines designed for use in a
Ship Yard or Drydock. These are production facilities spanning
kilometers in size, designed to build some of the largest marvels
Humanity has ever designed.
ADVANCED PRODUCTION LINE
Advanced Production Lines are engineering marvels. These high-
precision production lines allow for some of the most advanced and
cutting-edge products to be produced. These are used for computer
engineering, laser integrations, micro-assembly, and production lines
used for “Advanced” and “Cutting-Edge” products.
RENTING PRODUCTION LINES
A Production Line can be rented for 10% of the listed Cost to Own
price for 1 month. When attempting to rent a Production Line, the
Character must make a +20 Investigation Test. If Successful, the
Character will find an available Production Line to rent out.
If Failed, the Character will have to wait 1 month for every
Degree of Failure before they can rend the Production Line.
FABRICATION LNES
Fabrication Lines are highly complex and compact manufacturing
lines that are designed to be on UNSC ships and space stations.
Fabrication Lines will have the same Bulk and Single Cost for
production but will always cost double the Cost To Own price.
Fabrication Lines will also double the output time of their production
line counterpart.
A Fabrication Line is 10 times smaller than a Manufacturing
Line of its size, allowing much more to be fit into a single location. This
allows ships like Phoenix-Class Colony Ships to have massive
production lines to manufacture vehicles, weapons, and armor while
still staying mobile.
HAND-MADE PRODUCTION
Character Production is where a Character is performing the product
of an item, themselves. This is for when a Character is attempting to
make products without the use of Production Lines, Manufacturing
facilities, or Fabrication Lines.
If a Character has a finished Prototype, they will be able to
create an item at a lower speed listed in the Time and Cost Table
under “Production Lines: Time and Cost.” Food items are at 1/3rd the
listed time, Production Line items are at 1/5th the time, Large
Assembly are at 1/10th of the time, Shipyard items are at 1/1000th the
time, and Advanced items are at 1/100th of the time.
When making items by hand like this, the Character will be
free from the cost of manufacturing and will only need to cover the
Resource costs.
INFRASTRUCTURE
Infrastructure is the rate at which the Characters have built up
resources that will assist them in getting what they need, whether it
be from trading, deals, purchases, or manufacturing. The more work,
buildings, contacts, employees, and technology the Characters have
established, the higher their Infrastructure Characteristic will
become.
For every 10 in Infrastructure, the Characters gain a +5
Bonus to Prototyping, finding Traders, Sellers, and Brokers, and
buying in bulk is reduced by a further +1%. Infrastructure cannot rise
above 100 and buying in bulk is capped to a total of +10%.
 BUILDING CONSTRUCTION BUILDING COST AND INFRASTRUCTURE
For the UNSC, construction of buildings is designed to be fast, Storefront Cost: 100 cR per 1,200 Square Meters
standardized, and modular. Prefabricated Construction is common in Allied: +5 Infrastructure
the world of Halo, where standardized components are assembled Owned: +10 Infrastructure
and disassembled easily. This allowed for rapid deployment on newly Space Station Cost: 15,000 cR per 50,000 Square Meters
established colonies or on war-torn planets. Allied: +5 Infrastructure
Construction of a Building will take 1 day for every 750 Owned: +15 Infrastructure
Square Meters. If a Character wants the building to be less uniform Trade Outpost Cost: 100 cR per 1,000 Square Meters
and standardized, they can have an architect design a building for Allied: -- Infrastructure
them. Non-standardized buildings will instead take 1 day for every Owned: +5 Infrastructure
450 Square Meters. Research Cost: 2,500 cR per 20,000 Square Meters
If a building is being purchased in an area that needs to first Facility Allied: +10 Infrastructure
be cleared out, such as rubble, trees, or on very uneven land, it will Owned: +20 Infrastructure
take 14 days to finalize the land for construction. Black Market Cost: 1,000 cR per 1,000 Square Meters
Allied: +5 Infrastructure
BUILDING DEMOLITION Owned: +15 Infrastructure
When a Building is going to be demolished, the Character will first Bank Cost: 1,500 cR per 1,000 Square Meters
need approval from the local Government. This takes 1D5 days, which Allied: +10 Infrastructure
can be lowered by 1 for every Degree of Success on a Charisma Test. Owned: +20 Infrastructure
Once Demolition begins, it will take 1 day for every 2,000 Square Mining Facility Cost: 1,000 cR per 1,000 Square Meters
Meters to demolish. It then takes 1 day for every 1,000 Square Meters Allied: +5 Infrastructure
to clean up the demolished rubble. Owned: +20 Infrastructure
The Character can then sell the demolished building Medical Cost: 2,500 cR per 20,000 Square Meters
material for 1/10th of the original price of the purchased building.
Facility Allied: +10 Infrastructure
Owned: +20 Infrastructure
SELLING A BUILDING
Transportation Cost: 1,500 cR per 25,000 Square Meters
When selling a building, the Character has two options. To sell it on
Hub Allied: +10 Infrastructure
their own, or to hire a Commercial Real Estate to sell it for them.
Owned: +20 Infrastructure
When selling the building on their own, the Character must
Mechanic Cost: 1,500 cR per 1,000 Square Meters
make an Investigation Test. Starting at 30 days, every Degree of
Garage Allied: +10 Infrastructure
Success will reduce it by 3 days, to a minimum of 1. This will be how
Owned: +20 Infrastructure
long it takes to find a buyer. The Character must then begin
Space Elevator Cost: 100,000 cR per Elevator
Negotiation Tests to figure pricing. Most of the time, a buyer will
Allied: +5 Infrastructure
attempt to purchase the building at 50% of its original cost. For every
Owned: +35 Infrastructure
Degree of Success on a Negotiation Test, the Character will increase
the amount the building will sell by +10%, to a maximum of 80%. Entertainment Cost: 700 cR per 3,000 Square Meters of factory
When selling using a Commercial Real Estate (CRE), the Building Allied: -- Infrastructure
Character will have to do no work and the building will be sold in 1 Owned: +5 Infrastructure
week. The Character will receive 60% of the building’s original price. Casino Cost: 5,000 cR per 3,000 Square Meters
Allied: -- Infrastructure
PURCHASING BUILDINGS Owned: +5 Infrastructure
Buildings can be purchased based on type and size. The larger the Education Cost: 700 cR per 3,000 Square Meters
building or the larger the needs, the more expensive each building will Facility Allied: -- Infrastructure
become. Once purchased, these buildings are owned. If the GM wants Owned: +10 Infrastructure
to be especially mean, he can have a yearly 5% property tax per Apartment Cost: 200 cR per 800 Square Meters, 80 Square
building owned. Complexes Meters per Apartment
Allied: -- Infrastructure
BUILDING COST AND INFRASTRUCTURE Owned: +15 Infrastructure
Warehouse Cost: 500 cR per 3,000 Square Meters
Allied: +2 Infrastructure
Owned: +5 Infrastructure
Office Building Cost: 100 cR per 1,000 Square Meters, 15
Square Meters per employee
Allied: +5 Infrastructure
Owned: +15 Infrastructure
Factory Cost: 700 cR per 3,000 Square Meters
Allied: +5 Infrastructure
Owned: +15 Infrastructure
Shipyard Cost: 5,000 cR per 50,000 Square Meters
Allied: +5 Infrastructure
Owned: +15 Infrastructure
Dry Dock Cost: 3,500 cR per 50,000 Square Meters
Allied: +5 Infrastructure
Owned: +15 Infrastructure

9
 SPENDING INFRASTRUCTURE
Infrastructure can be spent to increase aspects of locations, such as
growing locations or increasing their Availability, reducing the costs
of manufacturing goods, and more. Spent Infrastructure cannot be
regained unless the chosen benefit was removed. The GM may allow
for multiple of each Infrastructure option to be spent at a time.
OPTION COST
Availability Increases the availability of a type of item on the
Increase Availability Table by 5% per each Location.
This costs 25 Infrastructure.
Manufacturing The cost of manufacturing items in bulk is
Cost reduced by 10%. This cannot be gained on items
Reduction that are not being produced in bulk.
This costs 30 Infrastructure.
Prototype The amount of Prototype Characteristic gained
Research per day is increased by 5.
This costs 20 Infrastructure.
Sales The Test made to sell products and the speed of
selling the product is given a +20 Bonus.
This costs 20 Infrastructure.
Routes Gain trade routes to a location of choice that
didn’t exist. This will remove Tolls.
This costs 15 Infrastructure.
Tariff Reduces the amount that you are charged from
Reduction Tariffs to 1%.
This costs 20 Infrastructure.
Bulk Rates Reduces the Bulk upfront cost by 10%.
This costs 15 Infrastructure.
WAREHOUSES
A Warehouse is a large building specifically designed for storing
goods. A building’s usable Storage Space will be 2/3rds of its total
Square Meters. The rest will be for employees, offices, and machinery
storage needed to run a warehouse.
Warehouses will have efficient storage and organization,
loading and unloading docks that can be accessed by truck and ship,
and capable of holding both finished product and resources.
OFFICE BUILDINGS
An office building is a large building designed to be filled with
individual workers using cubicles, office rooms, and meeting rooms.
They are designed using shared areas and administrative functions
that allow these workers to work efficiently. These are needed for
when a Company has large amounts of Infrastructure, which can only
be sustained by having workers that can keep things moving
smoothly.
FACTORIES
Factories are your Production, Manufacturing, and Fabrication
buildings. These are buildings that turn Resources into Products using
production lines. Factories are what make large-scale production
possible. However, Factories cannot hold large ships, such as naval
and space ships.
SHIP YARDS
Shipyards are not your average brick-and-mortar buildings. These are
massive sprawling complexes of enclosed and open-space facilities,
each tasked with constructing specific units of these ships. Ship yards
are comprised of giant construction docks, specialized workshops,
material storage and logistic buildings, and Zero-G construction
facilities. There is nothing simple about creating a ship that can
survive the dangers of space.
10
DRY DOCKS
A Dry Dock can be one of two types of facilities: A storage facility for
space ships, or a storage facility for naval ships.
Dry Docks house many features other than just docking
stations, such as Orbital Repair Facilities to keep up with repairs on
ships, Docking Bays to handle pressurized docking bays, and
Specialized Equipment for towing, repairing, and diagnosing ships of
all shapes and sizes.
STOREFRONTS
A Storefront is a smaller building used to sell goods and services.
These can be designed and fit into many types of locations, such as
Shopfronts on Ships and Stations, Showrooms for showcasing
products, Interactive displays, and for limited physical storage. This is
where your average consumer will travel to purchase goods.
Owned storefronts can increase the base daily sold goods
by 25%, each.
SPACE STATIONS
A Space Station is a vast self-contained orbiting system designed for
one of many purposes. Orbital Homes are space stations provided as
a place of living. Scientific Outposts are stations reserved for scientific
research facilities. These offer ways to safely test in vacuums, zero
gravity, or away from civilians that could be harmful. Trading Hubs
offer commercial centers for traveling ships. Military systems are
complex systems that offer defensive and offensive measures, as well
as last-line defense against invading forces.
TRADE OUTPOSTS
Trade Outposts are smaller, more rudimentary operations focused on
commerce in outer regions of space or in far-off locations. These
could include Frontier Commerce Hubs that are outposts on
spaceports or stations, or trading outposts that are part of a larger
trading outpost location in a settlement or a far-off bustling city of
another local Government.
Trade Outposts can increase the base daily sold goods by
10%, each.
RESEARCH FACILITY
Research Facilities are large complexes designed to improve the study
and understanding of product creation. Research Facilities can house
specialized labs and implement data facilities for speeding up the
capabilities of Prototype Research. Only one Research Facility can
work on a Prototype at a time, and will give a +20 to each Prototype
Test.
BLACK MARKET BUILDING
Owning a piece of land dedicated to black market dealings is both
risky and incredibly profitable. These allow Characters the ability to
sell illegal goods under the guise of a different company or product
being sold.
BANK
Banks allow for the Character to lend and store currencies. These are
buildings that demand incredibly tight security and offer a few
functions for Characters that they didn’t have access to previously.
Banks allow the Character to loan out cR, meaning that now
the Character can begin making passive currency over time. The
Character would also need to make sure they are paid back. It also
allows for the storage of currency and the ability to invest. When a
Bank is purchased, the Character will make a Charisma Test. For every
Degree of Success, the Character will gain 5% of their total owned cR
at the end of a fiscal year, to a maximum of +15%.
 MINING FACILITY
Mining facilities allow for the mining, processing, and refinery of
Resources, allowing for Characters to slowly gain Resources without
the need of constantly purchasing them.
For every 1,000 Square Meters of Mining Facility, the
Facility will generate 25 cR worth of Resources per day after figuring
costs of employment and refinery costs.
MEDICAL FACILITY
Medical Facilities are doctors’ offices, hospitals, and other medically-
specialized facilities. These can be for emergency care, long-term
care, medical testing and storage, quarantine preparation, and
telemedicine. These facilities can also be used to heal Characters’
Wounds, Fatigue, Special Damage, and other medical effects by
offering Extended Medical Tests with guaranteed Success on Tests.
TRANSPORTATION HUB
A Transportation Hub is a planet-side port that offers transportation
options for community, military, and industrial needs. These are
interstellar travel ports, docking facilities, ticketing and customs,
cargo processing, passenger amenities, and information hubs. Thes
can be used for both private and public needs.
MECHANIC GARAGE
A Mechanic Garage is a service that offers vehicle repair, service, and
checkups. These can be used for parts and upgrading, or just general
repair needs. Mechanic Garages can be used to repair Breakpoints of
Vehicles.
SPACE ELEVATOR
Space Elevators are large, expensive elevators that are anchored to
the ground, which allows for goods and personnel to be ferried into
an anchored space station. These can be used to cheaply transport
billions in kilograms at a time, allowing for a very powerful, very
reliable way of moving goods off-planet without wasting time or fuel.
ENTERTAINMENT BUILDING
Entertainment Buildings are buildings that have a source of
entertainment of the Character’s choosing. These could be
convention halls, movie theaters, classical theater, etc.
Entertainment Buildings will generate 1D100 cR per month
per 3,000 Square Feet.
CASINO
A Casino is an entertainment establishment designed to be addictive.
These are large buildings with minimal daylight and remarkable
designs and entertainment. Casinos can be a good generation of
funds each month.
(X) is the multiplier that decides how much profits the
Characters receive. For every 3,000 Square Meters the Casino has, (X)
is increased by +2. However, if the Casino is in an Outpost, the
multiplier is removed and the Test gains +40. If in a Town, the
multiplier is reduced by -3 and the Test is increased by +20. If next to
another Casino, the multiplier is reduced to -2, and the Test is
increased by +10.
D100 CASINO RESULTS PER MONTH
1-80 10D10*(X) cR earned for the month.
81-94 No extra money earned during the month.
95-100 Loss of 3D10*3 cR for the month.
11
APARTMENT COMPLEX
An Apartment Complex allows for the Character to create sustainable
housing. The rent begins at a default 1 cR per day and is paid at the
end of each money. The cR gained will be at the end of the month,
with each tenants’ rent is combined to be your monthly profit.
For every 1 cR the daily rent is raised, there is a 10% chance
for each Tenant to move out.
TAXES, TARIFFS, TOLLS
At the end of a fiscal year, which can be set by the GM, Characters
must make sure that their taxes have been paid. The Character should
make sure to save 5% of their total sales from products and business
dealings to pay taxes for. Loaning and borrowing money do not count
for this.
Tariffs are a tax that can be imposed by another
Government on goods and services imported from elsewhere. These
are used by some locations to influence native products to be
purchased and to raise revenue. The GM may decide that a location
the Players are trying to sell a product to has a tariff, which would
mean that a second tax of 5% would be applied to anything sold
within that location.
Tolls are areas where passing through checkpoints or into
locations will cost money. A GM could set up a toll that could cost the
players when delivering or receiving goods, resources, and products.
This could be as low as 1 cR per passage or could be as severe as
charging for each and every vessel or type of product on the vessel. It
is up to the GM and how corrupt or untrusting of outside products
the local Government can be.
SMUGGLING
Smuggling can allow a Character to surpass Tariffs and Tolls by
smuggling goods and people. To make things simple, the Character
should make a Camouflage Test, where the Test gains a -10 Penalty
for every 1,000 kg of equipment being smuggled, and a -5 Penalty for
every 10 Characters being smuggled.
If failed, the law enforcement will be onto the Character. If
caught, all smuggled Characters will be jailed and fined, while all
goods being smuggled will be impounded and sold to make up for the
fines the Character will have gained. The GM may also jail the Player
Character involved if he wants to me mean.
 BANKS AND LOANS
A Character can borrow money from a Bank or gain financers from
holdings groups, companies, and individuals. To do so, the Player
must first seek out gaining a Business Loan. Loans are expected to be
paid back within an agreed timespan with an included extra amount
that must be paid back called an Interest Rate. The higher the Interest
Rate, the more money that will need to be paid back.
There are three types of Business Loans, Small Business
Loan, Business Loan, and Large Business Loans.
INTEREST RATES
An Interest Rate is the cost that the Character is charged for
borrowing money, or the payment received for lending money.
Interest Rates are displayed as a percentage, which is a percentage of
the amount borrowed that is then added onto the total.
If a Character borrowed 5,000 cR with an Interest Rate of
10%, the Interest Rate would be 500 cR, and the total amount the
Character would owe the Bank would be 5,500 cR.
SMALL BUSINESS LOAN
Small Business Loans are any Loans that are less than 1,000 cR. The
starting Interest Rate for these Loans are 10%. Small Business Loans,
on average, need to be paid back within 5 years.
For every 100 cR borrowed, the Interest Rate is increased
by +0.5%, to a maximum of 12%.
Interest Rates on Small Business Loans can be decreased by
1% for every year sooner you agree to pay off the Loan.
The Interest Rates can also be reduced by 1% for every 150
cR the Character owns, to a maximum of 3% reduced this way.
BUSINESS LOAN
Business Loans are Loans that are more than 1,000 cR, but less than
50,000 cR. The starting Interest Rate for these Loans are 8%. Business
Loans, on average, need to be paid back within 7 years.
For every 500 cR borrowed, the Interest Rate is increased
by +0.5%, to a maximum of 10%.
Interest Rates on Business Loans can be decreased by 0.5%
for every year sooner you agree to pay off the Loan.
The Interest Rates can also be reduced by 1% for every
1,500 cR the Character owns, to a maximum of 3% reduced this way.
LARGE BUSINESS LOAN
A Large Business Loan are any Loans that are over 50,000 cR. The
starting Interest Rate for these Loans are 6%. Large Business Loans,
on average, need to be paid back within 10 years.
For every 1,000 cR borrowed, the interest Rate is increased
by +0.5%, to a maximum of 10%.
Interest Rates on Large Business Loans can be decreased by
0.5% for every year sooner you agree to pay off the Loan.
The Interest Rates can also be reduced by 1% for every
5,000 cR the Character owns, to a maximum of 3% reduced this way.
FAILING TO PAY LOANS
When loans go unpaid, the Banks and other financers will have a few
options based on the amount of the loan that has gone unpaid.
The first option is owning a percentage of the product or
company equal to the unpaid amount of the loan. This means that the
bank will then take that same percentage of all sales and money the
company has as long as they hold ownership.
The second option is liquidation of owned assets. This
would be based on seizing product, machinery, buildings, or anything
else owned by the Character or company that could then be sold to
recoup the costs of the Loan.
The third option is a rare option in which the Bank can agree
to give more time, however this comes at a cost of raising the Interest
12
Rate. For every 10% unpaid, the Interest Rate will be increased by
+1%, to a maximum of +20%. The GM may then give extra time to pay
off the loan, generally equaling the time originally agreed on to pay
off the previous loan.
INSURANCE
Insurance is a service that offers protection against risks. A Character
will pay a regular fee known as a Premium in exchange for financial
protection against specific risks.
There are three types of Insurance available: Business, Life,
and Liability.
COST
Business 1 cR per month for every 500 cR worth of assets.
Life 1 cR per month for every 200 cR payout on death.
Liability 1 cR per month for every 75 cR coverage.
BUSINESS INSURANCE
In the cutthroat world of business, unexpected events can threaten
your entire operation. Business insurance acts like a shield, protecting
your company's financial well-being. Business Insurance covers the
following:
Property: Protects your company’s physical assets (buildings,
equipment, product) from damage due to fire, theft, and natural
disasters.
Business Interruption: Provides financial support if your
business is forced to temporarily stop production due to covered
events (Fire damage, power outage, natural disasters).
Employee-Related Incidents: Covers costs associated with
employee injuries, illnesses, and lawsuits (Workmans compensation).
Cybersecurity: Protects your company from financial losses
caused by data breaches, cyberattacks, and cyber extortion.
LIFE INSURANCE
In the occurrence that a Character were to lose their life, Life
Insurance will offer a payout of a set amount of money. This offers
financial security to the loved ones of the Character who passed away,
but only under certain conditions. Life Insurance will not pay out if the
Character still has Luck.
Life insurance will only cover deaths caused by the
following: Accidents, illness, old age, natural disasters. If a death
occurs within 1 month of gaining Life Insurance, there will be no
payout and only a refund of the purchased insurance.
LIABILITY INSURANCE
Liability Insurance offers a safety net that protects the Characters
from financial ruin in the event of an accident or if the Character was
found legally responsible for causing harm to others or property.
Liability Insurance covers accidents from vehicles, damage
to public and private property, and medical and judicial bills.
In the case of the Character being found guilty of a felony,
the insurance provider reserves the right to refuse payment.
 PATENTING YOUR PRODUCTS INVESTING
Patenting a product allows a Character to have partial protection to Investing allows for a Character to put their trust and money in
their designs. It costs 50 cR to patent a product. If another Character another company, government, or business entity. This is a risk and
(Player or NPC) is caught stealing or breaking the patent, the reward venture where the higher potential of rewards comes with a
Character can sue them. higher potential of risks.
If it can be proven that the patent was breeched, the When a Character wants to invest, the GM will first roll as
Character can be given two options. The first option is to receive 50% many times as they desire on the Investing Table. This will give the
of all sales of that item. The second is to gain ownership of that Characters ample choices to make purchases on.
product that was breeching the patent.
D100 INVESTING TYPE
LICENSING FOR PRODUCTS 1-25 Stock
Sometimes a Character will need to gain Licensing for a product in 26-50 Startup
order to begin production. This could be gaining a License for an 51-75 Company Share
already-existing product that they will then begin producing for 71-100 Government Bond
another Company, and other times this would be getting a License so
you can begin production on your own products for it. Each time an Investing Type was rolled on, the GM will then roll on
For example, the Character would need a License to gain the following Investment Cost Table to see how much each cost.
the rights to begin manufacturing BR55 Battle Rifles. There could be
an agreement in this license that the Character cannot make any D100 INVESTMENT COST
changes to the product. Another example includes gaining the License 1-11 Small Stock: 2D5 cR
to begin designing and manufacturing your own variants of Mjolnir. 11-22 Small Stock, on the rise: 2D10 cR
This would be a case where the Player could freely begin making
23-33 Small Stock, falling rates: 1D5+2 cR
changes needed to the Mjolnir.
34-44 Large Stock: 2D10+10 cR
Without the Licensing for a Product made in this way, the
45-55 Large Stock, on the rise: 3D10+10 cR
Character would be held in contempt for creating a Product that was
56-66 Large Stock, falling rates: 2D10+5 cR
protected by a Patent. The Characters could also face serious prison
time and fines if they began stealing and using patented Military 67-77 High-roller Stock: 3D10+15 cR
Technology. Or worse, they could be assassinated by ONI. 78-88 High-roller Stock, on the rise: 4D10+25 cR
When working with a licensed product in this way, the 89-99 High-roller Stock, falling rates: 3D10+5 cR
Characters could have a few types of contracts. A few examples could 100 New stock just went live: 10D5 cR
include the following:
• The Characters are under agreement to mass produce From here, the stock costs will change daily, however, the GM does
firearms for the UNSC. These Firearms can only be sold to not need to follow these stocks every day. The GM should only roll to
the UNSC and the UNSC will purchase all products. see a change in the prices when major events happen, new products
• The UNSC has allowed the Characters to produce a version release, or when the players ask.
of a firearm for Civilian use. The UNSC will receive 20% of There are 3 types of tables, Positive, Negative, and
all final sales. Fluctuation. You can use the following “Business Event” table to roll if
• The Characters have an agreement to make new Mjolnir you do not have an idea of how to advance this “Stock storyline.” Let
designs. The UNSC gets final say after reviewing the random chance remove you from your Players’ ire. This table can also
Prototypes before they are sent to mass production. be used for events that can happen in the Players’ business, as well.
• The Characters gain a contract to begin working on the next
possible version of the Battle Rifle. If the prototype does
well enough, they will be chosen over the competition and
will be given two choices: They can begin mass production
themselves and will be paid for each that are made, or the
Characters could receive a large lump-sum of cR for their
work and the UNSC will begin mass production of the
weapon.

13
 BUSINESS AND INVESTMENT EVENTS

D100 BUSINESS EVENT

1-2 Successful Product Launch: A new product launch exceeds expectations, boosting revenue and investor confidence.
(Stock Price Increase)
3-4 Resource Discovery: The company discovers a new resource deposit. (Stock Price Increase)
5-6 Favorable Contract Awarded: The company wins a lucrative contract with the UNSC or a major civilian corporation.
(Stock Price Increase)
7-8 Positive Press: The company receives positive press coverage for its technological advancements or ethical practices.
(Stock Price Increase)
9-10 AI Partnership: The company forms a partnership with a friendly AI, enhancing its production efficiency or logistic capabilities.
(Stock Price Increase)
11-12 Environmental Innovation: The company develops a new, sustainable technology that reduces its environmental footprint and attracts
eco-conscious investors. (Stock Price Increase)
13-14 Acquisition by Industry Leader: A major player in the industry acquires the company, offering a significant premium to shareholders.
(Stock Price Increase) [Player-owned businesses can decline this offer]
15-16 Unexpected Market Boom: A surge in demand for the company's products or services due to unforeseen circumstances leads to
increased profits. (Stock Price Increase)
17-18 Unexpected Technological Breakthrough: A research and development team achieves a surprising breakthrough, leading to new
product lines or production efficiencies. (Stock Price Increase)
19-20 Expansion into New Market: The company successfully expands its operations into a new star system or market sector.
(Stock Price Increase)
21-22 Merger or Acquisition: The company merges with a successful competitor, creating a market leader. (Stock Price Increase)
23-24 Discovery of New Application: A new use case is discovered for an existing product, significantly expanding the potential market.
(Stock Price Increase)
25-26 Positive Analyst Rating: A respected analyst firm issues a glowing report on the company, boosting investor confidence.
(Stock Price Increase)
27-28 Government Grant Awarded: The company receives a government grant to fund research and development for a promising new
technology. (Stock Price Increase)
29-30 Unexpected Product Placement: The company's product is featured in a popular holographic entertainment show or video game,
leading to a massive sales spike. (Stock Price Increase)
31-32 Social Media Frenzy: A user-generated social media campaign featuring the company's product goes viral, generating immense positive
publicity. (Stock Price Increase)
33-34 Discovery of Rare Resource: The company discovers a massive deposit of a rare and valuable resource, creating a strong grip on these
resources and skyrocketing profits. (Major Stock Price Increase)
35-36 Expansion into Unexplored Territory: The company becomes the first to establish a major presence in a previously unexplored star
system, opening vast new markets. (In 1 month, roll on the Fluctuation Event Table.)
37-38 Philanthropic Efforts Praised: The company's charitable efforts are widely praised, leading to positive brand recognition and increased
customer loyalty. (Stock Price Increase)
39-40 Sustainable Manufacturing Process: The company invents a new eco-friendly manufacturing process that eliminates waste and
reduces energy consumption. (Stock Price Increase)
41-42 New CEO Appointed: A new CEO is appointed, and investors wait to see what changes they will bring.
(In 1 month, roll on the Fluctuation Event Table.)
43-44 Change in Government Policy: A shift in government policy impacts the company's industry, creating uncertainty.
(In 1 month, roll on the Fluctuation Event Table.)
45-46 Unexpected Inspection: A regulatory body conducts an inspection of the company's facilities, leading to potential delays or fines.
(In 2 weeks, roll on the Fluctuation Event Table.)
47-48 Missing Colony Ship: A colony ship the company was supplying goes dark, leading to a search and rescue operation with uncertain
outcome. (In 2D10 days, roll on the Fluctuation Event Table.)
49-50 Discovery of Artifact: The company uncovers a Forerunner artifact, sparking scientific interest but also raising concerns about its
potential dangers. (In 2 months, roll on the Fluctuation Event Table.)
51-52 Shift in Consumer Preferences: A change in consumer preferences towards a competitor's product or service impacts sales.
(In 1 week, roll on the Fluctuation Event Table.)
53-54 Legal Dispute: The company becomes embroiled in a legal dispute, leading to uncertainty and potential financial penalties.
(In 3 months, roll on Fluctuation Event Table twice.)
55-56 Hostile Takeover Attempt: Another company launches a hostile takeover bid, creating uncertainty for shareholders.
(In 1 month, roll on Fluctuation Event Table. On rolls of 1-5,15-20, 45-50,75-80, or 95-100, the Takeover was successful.)
57-58 Loss of Major Client: The company loses a major client, leading to a significant revenue decline. (Stock Price Decrease)
59-60 Supply Chain Disruption: A natural disaster or political instability disrupts the company's supply chain, impacting production and
delivery. (Stock Price Decrease)
61-62 Environmental Disaster: An environmental accident caused by the company's operations leads to public outcry and regulatory
sanctions. (Major Stock Price Decrease)

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 D100 BUSINESS EVENT
63-64 Executive Compensation Scandal: Public outrage erupts over excessive executive compensation packages, damaging the company's
reputation. (Stock Price Decrease)
65-66 Data Breach: A data breach exposes customer information, leading to regulatory fines and a loss of consumer confidence.
(Stock Price Decrease)
67-68 Cybersecurity Attack: The company experiences a cyberattack, disrupting operations and causing reputational damage.
(Stock Price Decrease)
69-70 Fire in Facility: A fire broke out in a company-owned facility. Currently, the damage estimates are unknown.
(Roll on the Negative Event Table. Rolls of only 1-25 will mean the building was salvageable and damage was minor.)
71-72 Product Recall: A safety hazard is discovered in a major product line, forcing a costly recall and damaging public trust.
(Stock Price Decrease)
73-74 Failed Product Launch: A new product launch flops due to technical problems or lack of market demand. (Stock Price Decrease)
75-76 Employee Strike: Disgruntled workers stage a strike, disrupting production and causing financial losses. (Stock Price Decrease)
77-78 Negative Press: The company is embroiled in a scandal or receives negative press for environmental damage or labor violations.
(Stock Price Decrease)
79-80 Leadership Controversy: A key member of the leadership team is revealed to be corrupt or incompetent, shaking investor confidence.
(Stock Price Decrease)
81-82 Supply Chain Disruption: A critical supplier experiences problems, causing production delays and shortages. (Stock Price Decrease)
83-84 Pirate Raid: A pirate attack disrupts shipping lanes or damages company infrastructure.
(Stock Price Decrease)
85-86 Covenant Attack: During a period of heightened Covenant activity, the company's facilities are lost in an attack.
(Major Stock Price Decrease)
87-88 Insurrectionist Activity: The company's facilities are targeted by Insurrectionist sympathizers, causing damage and disruption.
(Stock Price Decrease)
89-90 UNSC Requisition: The UNSC levies a heavy requisition on the company's resources, straining production and profits.
(Stock Price Decrease)
91-92 Promethean Anomalies: Forerunner Promethean technology malfunctions disrupt operations or unleashes dangerous constructs.
(Stock Price Decrease)
93-94 Forerunner Guardian Activation: A Forerunner Guardian awakens near a company facility, its purpose and potential threat unclear.
(In 1 week, roll on Negative Event Table)
95-96 Worker’s Rights Lawsuit: A new union was formed, starting a lawsuit against the company. (Stock Price Decrease)
97-98 Rogue AI: A rogue AI has embedded itself within the company’s recent infrastructure upgrade. (Stock Price Decrease)
99-100 Unexpected Market Crash: A drop in demand for the company's products or services due to unforeseen circumstances leads to
decreased profits. (Stock Price Decrease)

POSITIVE
If something positive happens to the galaxy as a whole, if a successful
product has been launched, if a competitor has gone out of business
or released an unsuccessful product, etc. The GM should roll on the
Successful Table.
Major events will give the Test a +20.
FLUCTUATION
Fluctuation happens when an unknown event has occurred that may
or may not affect stocks. These are events that can rarely have a
powerful effect on stocks.
Incredibly negative outcomes will give the Test a +20, while
incredibly positive outcomes will give the Test a -20.

D100 INVESTING TYPE D100 FLUCTUATION EVENT

1-60 Stock increases by 1 cR. 1-10 Successful outcome of Fluctuation Event. Roll on the
61-80 Stock increases by 1D5-2 cR, to a minimum of 1. Positive Table and double the profit.
81-90 Stock increases 1D5 cR. 11-29 Successful outcome of Fluctuation Event. Roll on the
91-95 Stock increases 1D10 cR. Positive Table.
96-98 Stock increases 2D10 cR. 30-70 Neutral outcome of Fluctuation Event. Nothing
99-100 Stock increases 3D10 cR. happens to the stock prices.
71-89 Negative outcome of Fluctuation Event. Roll on the
NEGATIVE Negative Table.
If something negative happens to the galaxy as a whole, if a failed 90-100 Negative outcome of Fluctuation Event. Roll on the
product was launched, if a competitor has record profits or released Negative Table and double the loss.
a successful product, etc. The GM should roll on the Negative Table.
Major events will give the Test a +20.

D100 INVESTING TYPE

1-60 Stock increases by 1 cR.
61-80 Stock decreases by 1D5-2 cR, to a minimum of 1.
81-90 Stock decreases 1D5 cR.
91-95 Stock decreases 1D10 cR.
96-98 Stock decreases 2D10 cR.
99-100 Stock decreases 3D10 cR.

15