5. Debt (optional favor owed)
What is debt?
In SotB character creation (Step 6), you may start owing a favor to someone in a faction — a street contact, corp, orgcrime, government, etc. In exchange you get either extra starting gear credits or extra starting XP.
- None — no favor, no bonus.
- Small — +₡100 of gear (always credits).
- Regular — +₡500 gear or +10 starting XP.
- Big — +₡1,500 gear or +20 starting XP.
The GM decides who holds the marker and when they collect. Debt is a story hook, not free power.
10. Starting gear
Either take the career starting package or buy with credits (₡1,000 base + debt credits). Package items show names here; full rules text appears on the character sheet glossary.
Manual adds — choose free (no credit change) or paid (deducts listed price from credits on hand).