Dec 21, 2008 Nov 6, 2013 11:51 AM NPC Islands of War Audrey Bellaby 20 July 16 Grey Black, Wavy, Medium Tan Right 65 in 112 lb 0 Female Human 4 Cult of Profit Lady Bellaby is the last of the Bellaby line and has inherited a huge amount of money from all her family members that have died. Aside from this, she also owns a very successful bank, Bellaby Savings and Loan, which has branches on multiple islands, including Crescent Island, the Green Isle, and Medusa Island. It's been in the family for generations and she was raised to be a banker, despite her nobel heritage. The business is currently being run by a trusted employee, but she does keep an eye on his work. She has poor personal spending habits, however. She spends far more money than she should, often getting ripped off by merchants and then tipping them besides. This doesn't seem to bother her in the slightest. Even worse, she buys almost everything on sheer impulse. 0 0 200 10 10 12 10 0 0 0 0 true true true Advantages Appearance Physical Universal 25 total Off-the-Shelf Looks -50 total Androgynous 0 total Impressive 0 total Attractive 4 total Average 0 total Horrific -24 total Monstrous -20 total Hideous -16 total Ugly -8 total Unattractive -4 total Handsome 12 total Beautiful 12 total Very Handsome 16 total Very Beautiful 16 total Transcendent 20 total B21 +4 to reactions from men, +2 from everyone else Advantage Charisma Mental 4 5 B41 +1 to Influence rolls Advantage fortune-telling 1 leadership 1 panhandling 1 public speaking 1 Fit, Very Physical 15 B55 +2 to all HT rolls to stay conscious, avoid death, resist disease, resist poison; recover FP at twice the normal rate; lose FP at half the normal rate (in both cases, not FP spent for spells or psi powers) Advantage Hard to Kill Physical 4 2 B58 Advantage Language Talent Mental 10 B65 Advantage Status Social 4 5 B28 Nobility Advantage Wealth, Multimillionaire Social 2 50 25 B25 Advantage filthy rich Disdvantages Acrophobia (Heights) Mental -10 9 B150 Disadvantage Charitable Mental -15 9 B125 Disadvantage Chummy Mental -5 B126 React to others at +2; -1 to IQ-based skills when alone Disadvantage Code of Honor (Gentleman's) Mental -10 B127 Disadvantage Compulsive Spending Mental -5 9 B129 Disadvantage miserliness Honesty Mental -10 9 B138 Disadvantage Languages Language: Common Mental Native -4 total B23 Spoken 1 total B24 Accented Spoken 2 total B24 Native Written 1 total B24 Accented Written 2 total B24 Native B24 With Language Talent Advantage Language Language Talent Language: Dwarvish Mental Native -4 total B23 Spoken 1 total B24 Accented Spoken 2 total B24 Native Written 1 total B24 Accented Written 2 total B24 Native B24 With Language Talent Advantage Language Language Talent Language: Elvish Mental Native -4 total B23 Spoken 1 total B24 Accented Spoken 2 total B24 Native Written 1 total B24 Accented Written 2 total B24 Native B24 With Language Talent Advantage Language Language Talent Language: Gnomish Mental Native -4 total B23 Spoken 1 total B24 Accented Spoken 2 total B24 Native Written 1 total B24 Accented Written 2 total B24 Native B24 With Language Talent Advantage Language Language Talent Language: Halfling Mental Native -4 total B23 Spoken 1 total B24 Accented Spoken 2 total B24 Native Written 1 total B24 Accented Written 2 total B24 Native B24 With Language Talent Advantage Language Language Talent Perks Alcohol Tolerance Physical 1 B100 Perk Independant Income Social 1 1 B26 Advantage Quirks Careful Mental -1 B163 Quirk Business Accounting IQ/H 2 B174 Business IQ -6 Skill Finance -4 Skill Mathematics Statistics -5 Skill Merchant -5 Administration IQ/A 1 B174 Business Social Skill Merchant -3 IQ -5 Current Affairs Business 4 IQ/E 1 B186 Business Everyman Knowledge Social IQ -4 Skill Research -4 Skill Current Affairs -4 Diplomacy IQ/H 2 B187 Business Police Social IQ -6 Skill Politics -6 Economics IQ/H 2 B189 Business Social Sciences/Humanities IQ -6 Skill Finance -3 Skill Market Analysis -5 Skill Merchant -6 Finance IQ/H 2 B195 Business Skill Accounting -4 Skill Economics -3 Skill Merchant -6 Law Banking/Money IQ/H 2 B204 Business Police Social Sciences/Humanities IQ -6 Market Analysis IQ/H 2 B207 Business IQ -6 Skill Economics -5 Skill Merchant -4 Merchant IQ/A 4 B209 Business Social IQ -5 Skill Finance -6 Skill Market Analysis -4 Politics IQ/A 1 B215 Business Social IQ -5 Skill Diplomacy -5 Propaganda 4 IQ/A 1 B216 Business Military Social Spy IQ -5 Skill Merchant -5 Skill Psychology -4 Public Speaking IQ/A 1 B216 Business Scholarly Social IQ -5 Skill Acting -5 Skill Performance -5 Skill Politics -5 Savoir-Faire High Society IQ/E 1 B218 Business Knowledge Social IQ -4 Skill Savoir-Faire Servant -2 Misc Area Knowledge Archipelago IQ/E 1 B176 Everyman Knowledge IQ -4 Skill Geography Archipelago -3 Carousing HT/E 1 B183 Criminal/Street Social HT -4 Connoisseur Music IQ/A 1 B185 Arts/Entertainment Knowledge Social Skill Group Performance Conducting -3 Skill Musical Composition -3 Skill Musical Instrument -3 IQ -5 Connoisseur Visual Arts IQ/A 1 B185 Arts/Entertainment Knowledge Social IQ -5 Connoisseur Wine IQ/A 1 B185 Arts/Entertainment Knowledge Social IQ -5 Current Affairs High Culture 4 IQ/E 1 B186 Arts/Entertainment Everyman Knowledge Social IQ -4 Skill Research -4 Skill Current Affairs -4 Current Affairs Politics 4 IQ/E 1 B186 Everyman Knowledge Social IQ -4 Skill Research -4 Skill Current Affairs -4 Heraldry IQ/A 1 B199 Knowledge Social IQ -5 Skill Savoir-Faire High Society -3 Leadership IQ/A 1 B204 Military Social IQ -5 Literature IQ/H 1 B205 Scholarly Social Sciences/Humanities IQ -6 Propaganda 4 IQ/A 1 B216 Business Military Social Spy IQ -5 Skill Merchant -5 Skill Psychology -4 Research 4 IQ/A 1 B217 When below TL8 Scholarly Spy Language Written (Broken) Language Written (Native) Language Written (Accented) IQ -5 Skill Writing -3 Riding Equine DX/A 4 B217 Animal DX -5 Skill Animal Handling Equine -3 Speed-Reading IQ/A 1 B222 Scholarly Writing IQ/A 1 B228 Arts/Entertainment Scholarly IQ -5 Portrait 8.5 11 0.5 0.5 0.5 0.5 Monochrome Single Normal