Financial Institutions of Steel Horse Crossing

There are six organizations in the area that function as a major driving force within the local economy. Per the Rulebook, a character with the Proficient Financial Influence Skill may choose, at Check In, to gamble local currency by investing in a given Institution. Based on how well the Institution has been doing (whether PCs have helped or hindered their interests), the Character may gain or lose their invested currency. Additionally, a character with the Master Financial Influence Skill may choose to ally with a given Institution and submit an Action request the month before game for a Financial Module that can result in being paid.

Locally, a character may also choose 1 Financial Institution to affiliate with in order to gain access to that Institution’s Buy List. Characters with the Professional Focus Achievement of Fiscal Mysticist may also choose a second. A notation will be marked on your character sheet with Affiliation: [Institution Name] for reference. A character may change their Affiliation after 3 months have passed. All Buy List purchases must be made with local currency, and are limited to 1 purchase per tier per event regardless of the number of Affiliations possessed. All Buy List Items are only valid at DR: Wisconsin events, and do not require an Affiliation to use unless otherwise noted.

First Bank of Steel Horse Crossing

The First Bank of Steel Horse Crossing is relatively new to the area, but has been greeted with enthusiasm by those who prefer to deal in physical currency. Overseen by a Board of Trustees, the First Bank deals primarily in high-level financial matters such as investments and loans. A popular bar conversation topic involves how the Bank should utilize Scrap as their basis of currency, often with local Elitariat arguing loudly and vaguely about more abstract concepts such as “market forces.”

Buy List
1 Lug - The Definitive Appraisal Guide
Gizmo, Single-Use. Expires in 3 months.
Requires Proficient Mental Endurance and Basic Financial Influence. After observing and engaging a Target within 10 ft in conversation for 5 minutes, User may spend 5 Mind to learn the Mechanical Effects of one of the following: Target’s Armor, Shield, a single Weapon, Gizmo, or another Item visibly carried or worn.

5 Lug - Exchange Service Voucher
Gizmo, Single-Use. Expires in 3 months.
Allows a second use of Master Financial Influence for the purposes of converting currency. Additional vouchers do not allow for more uses.

10 Lug - Bill Marker’s Anti-Thuggery Device
Augment - Free Iron Dry Pack. Expires in 3 months.
Spend 1 Resolve in response to this Supply Bag being targeted by Larceny. User of Larceny must loudly yell “Wee Woo!” 3 times.

Great Lake Trading Company

Born out of a combination of former Ironworks naval sailors, lake trading across the waters, and the very legal (and likely some illegal) privateering sanctioned on the waters, the Great Lake Trading Company was formed to take advantage of a void of productivity following the fall of the Ironworks. The GLTC provides a great number of services including open trade, protection, escort, and salvage operations upon the water. Some even rumor that they have kept up the tradition of privateering under the black flag, though the ties between the rumors and the institution never seem to have a solid enough foundation for a true accusation.

Buy List
1 Lug - Fukwa Dukw Rental
Vehicle, Single-Use. Expires End of Event.
May be used as a Vehicle for the purposes of attending a single Sailing or Trailblazing module. Does not require relevant Skill to pilot, and conveys no other benefits that would be associated with relevant Skill.

5 Lug - Clam Jam
Gizmo, Single-Use. Expires End of Event.
When consumed while eating a Meal, gain Upsurge: “Delay, 5 Minutes” to negative effects received through Meals and ingested Brews.

10 Lug - Vespertine Dive Knife
Weapon. Expires in 3 months.
Physical Representation must meet requirements for Small Melee Weapon. This Weapon may be loaded with up to 3 uses of applied poison. May spend 10 Mind to deliver one use of poison via next attempted melee Strike. Poisons loaded this way take 5 minutes for each beforehand and must have the Knife’s name written on their cards.

Bloom Industries

Bloom Industries has been a staple in the scientific community for some time and has a long history of achievements in research and development of local and foreign flora. In short, if you want to know anything about plants top to bottom, Bloom Industries has already done some extensive research in the area. They formerly worked for the Ironworks almost exclusively in the local area but were otherwise fully funded and self-directed. With the Ironworks fallen, they have chosen to stay rooted in the local area and continue their outreach across the Wastes in order to learn more about the wonders of natural (and perhaps unnatural) plant life.

Buy List
1 Lug - Rad Hoe - Patented military grade farm equipment
Gizmo, Single-Use. Expires in 3 Months.
May be expended to farm Ginseng as a Named Herb, in an outdoor Agricultural Zone.

5 Lug - Chloro-Fill-Up - Bask in the warm glow, just like a plant!
Brew, Ingested. Expires in 3 Months.
For 5 minutes, may treat all Rad damage taken as normal damage.

10 Lug - Hydroponic Radiation Station License Agreement - A Premier Agriservice Subscription
Service. Expires End of Event.
Creates a Zone of Mechanics in Town Hall that acts as an indoor Agricultural Zone and allows the farming of Ginseng as a Named Herb.

Helldiver Association

One of the older institutions in the overall region, the Helldiver Association is best known for their society membership who jump into adverse conditions to ensure safe living for those near the hellscape that randomly appears over the summers in different locations. They also serve a very different purpose as an institution, however, as they are also the premiere company to hire when one needs information about local areas, dig sites, mining, ancient artifacts, and other relics from days past. Their knowledge of the general world is unparalleled. The Helldiver’s Society is a small group of dedicated people that help others and are often supported by the larger Helldiver Association via resources and information.

Buy List
1 Lug - Zedproof Pit Apron - Surplus PPE, close to the end of its shelf life
Gizmo, Single-Use. Expires in 3 Months.
May be expended in response to being Targeted by Cannibalism, by calling “No Effect. Immune to Cannibalism, 5 minutes.”

5 Lug - Trilobite Chitin - Ethically sourced ancient relics
No Expiration.
Local Scrap

10 Lug - Cheese - The Archivists’ very own dungeon cheese
Gizmo, Single-Use. Expires in 3 Months.
May eat for 1 minute to gain “Upsurge: +10 Body”. May instead expend while making a non-generic Meal to add “Cheezy: Regain 10 Body when Eaten.” May not be combined with the “Curing and Preserving” Procedure.

Labor Union

Formerly headed by the Ironworks Brewing Collective, the Labor Union has consistently been a source of community work and development in the production sectors. With the Ironworks pushed back, the IBC has stepped down as de facto leadership and cemented their relationship with other production sources. The Rooftop Farmers Association, the Mining Guild, the Livestock Ranching Federation, and several other groups that are familiar faces in the area have all agreed to a loose partnership for the betterment of the overall production of the region.

Buy List
1 Lug - Coleman No-Plate Special - With a side of blueberries and peppermint tea
Meal, 1 Serving. Expires End of Trade.
Regain 5 Body. Takes 5 minutes to eat. Only requires one hand to eat, allowing use of single-hand Skills with other hand.

5 Lug - Hair of the Dog - Anyone who says they are a morning person is likely lying
Brew, Ingested. Expires in 3 Months.
Spend 1 minute drinking. Must be consumed between Sunrise and Noon. Intoxicated for 30 Minutes. If a Basic Intoxication or Hallucinogen Brew was consumed after Sunset the night before, Upsurge 5 Mind. Can only receive the benefits of Hair O’ The Dog brews once per event.

10 Lug - Mechanical Coalnary - Smell something?
Gizmo, Single-Use. Expires in 3 Months.
May expend in response to an environmental call in order to don and activate a Helscape Deathmask as a defense. Represents a forewarning of environmental hazards, and must be used within 5 seconds of the call.

Driftless Area Hunting Lodge

D.A.H. Lodge is a collection of hunters, conservationists, researchers, and other hobbyists from the most survivalist Landsmen to the glampiest Elitariat, all united by their ardent enthusiasm for nature. Recently drawn to Steel Horse Crossing by the abundance of wildlife and possibility for adventure, they have done their best to ingratiate with the locals and get involved in the town through education and wildlife management. With the construction of their lodge complete, they cannot wait to get their hands dirty and explore.

Buy List
1 Lug - Set and Forget - Disclaimer: D.A.H. Lodge is not responsible for forgotten traps.
Gizmo, Single-Use. Expires in 3 Months.
Reduces time to set Traps by 5 minutes / level.

5 Lug - Gank Trank - The sleep aid recommended by 9 out of 10 velocigeckos.
Brew, Applied. Expires in 3 Months.
Spend 10 seconds to apply to a Melee or Projectile Weapon to call “Knock Out” on next attempted Strike with that weapon.

10 Lug - Scent Cover - Leaves you feeling funky fresh
Gizmo, Single-Use. Expires in 3 Months.
Must choose between Critter, Raider, or Undead at time of purchase. After expending, may hold a hand in front of Target for up to 5 minutes, declaring “Scent Cover; [Threat] may not attack.” The effect ends immediately if Target drops hand or takes an aggressive action towards affected Threats.