1 . Debt. You in debt up to your eyeballs (1D10 x 100 x Special Ability) to
a financial institution or friend or loanshark (depending on the size of the debt, your
social standing, and what kind of friends you have). You cannot pay this during
character creation, it must be payed off during game-play.|
2 . Imprisonment. You spent some time in jail. Roll D20+INT. 1-12, you were in
the can for D6 years (roll life events on the prison table). 13+ you were in for 1D10
months. By the way, you now have a criminal record.
3 . Illness or Addiction. You were exposed to a Bio-Plague, deficient nano-tech
or nasty street / combat drug, or you are currently addicted to a strong drug. Either
reduce REF by 1 or choose a drug to be firmly addicted to (with GM's supervision).
4 . Betrayal. You have been backstabbed. Roll 1D10. 1-3, you are being blackmailed.
4-7, a secret was exposed and is still haunting you. 8-10, you were betrayed by a close friend.
5 . Accident. 1-4, You have collected some heavy scars (-1 ATT). 5-7, You were
hospitalized for d10+2 months. 8-9, You have lost memory of d10+2 months. 10, You still
relive nightmares of that horrible event.
6 . Lover, Friend or Relative Killed. 1-5, they died accidentally. 6-8, they
were murdered by unknown parties. 9-10, you are pretty certain who murdered them. But you
have no proof.
7 . False Accusation. When someone meets you there is a good chance that if they
recognize you (roll against Rep) they will also have heard of this. 1-3, the accusation
is theft (and people won't trust you near their stuff). 4-5, it's cowardice. 6-8, it's
Murder. 9, it's Rape. 10, it's lying or betrayal.
8 . Hunted By The Law. 1-3, a few local cops want your ass. 4-6, you are wanted
by the local force for "questioning". 7-8, State Police or Militia. 9-10, It's the FBI,
DEA, NSA or (goddess forbid) the CIA.
9 . Hunted By A Corp. 1-3, a small local firm. 4-6, larger, statewide corp.
7-8, big, national corp with offices in major cities worldwide. 9-10, The Big Boys.
10 . Mental Breakdown. Roll D20+EMP. 1-11, it's a mental disorder, you suffer
phobias, or schizophrenia, split personalities or some other happy shiny insanity. 12+
you just couldn't handle things for a while back there, and have had to take time out
to put your head back together.