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Generally, luck can only be used for avoidance-rolls. It cannot be used to help out with any other % roll, unless the G.M. specifically states otherwise.

When you use luck, your next full offensive turn will be forfeit. This means that nothing physical can be done the turn after luck is used (except defend against attacks or situations).

There are certain exceptions to this rule (i.e., the race of Minotaur do not lose next turn by using luck, or by using the luck points off the enchanted item, “Luck Talisman”.

Mind spells, and other spells that do not require verbal or physical sounds and movements, can be cast, but one must make a successful avoidance-roll vs. “Mental-attack” to do so. If wounded in the flesh, an avoidance-roll vs. “Pain” must also be successful as well to cast such magics.

At the creation of your character roll 2-D20 to see how many luck points you will start out with. This will be at level #0. Beginner’s Luck can be used to increase this roll, and if Modification-Points remain at the end of your character’s creation, you may place them into your luck (1 Modification-point for 2 points of luck).

For every level advanced above level 0, + 1-D6 more points will be added to your current luck.

Note to the G.M.:
Luck may not be used when a player is asked to make an avoidance-rolls during non-threatening, non-combative, situations (i.e., self-imposed situations like willingly climbing structures, jumping over rents in the ground etc. (unless forced to do so by attack). Example: If a character has chosen to take a chance, and he or she is suspicious there will be a danger involved, luck cannot be used. Important: The GM can override this ruling as he or she sees fit.

Concerning Creatures, and their usage of Luck:
Be aware that many creatures use luck. Such creatures will most always use luck if possible. The only time a G.M. will use luck for a creature, as he or she would a personal character, is when the creature’s INTELLIGENCE and WISDOM are both at 5+ (if either one is not 5+, then it will always use luck.