Treasure

Travelling across a land that has seen three Ages of the world, the adventurers are sooner or later bound to discover some form of treasure, and possibly claim it for themselves. Whether it is the forgotten hoard of a dead Dragon, a pile of gold and gems closely guarded by a Troll, or the loot accumulated by generations of raiding Goblins, treasure provides the Company with a focus for their adventuring, a means for the Player-heroes to raise their personal prosperity, and another way to bring to light obscure tales from previous ages of Middle-earth.

Carrying Treasure

Player-heroes stuff their pockets with coins and other valuables, or, more wisely, they can burden their pack animals with chests filled with their newfound riches.

In terms of encumbrance, every single point of Treasure, individual Marvellous Artefact or Wondrous Item corresponds to one point of Load (famous Weapons and Armour have their individual Load ratings, based on the corresponding pieces of War Gear).

If the Player-heroes are not willing to carry the amount of gold, silver, gems, or other valuables they have found while adventuring, the Player-heroes may opt to hide it close to where they found it, with the intention of returning to recover it later.

hoarding riches

Having several chests filled with gold under the bed makes it far easier for an adventurer to go around with a pouch filled with coins. The worth of all valuables that Player-heroes can find in the course of their adventures is expressed in terms of Treasure points.

Players record their heroes’ individual Treasure ratings on their character sheets. As their Treasure rating rises, Player-heroes see their Standard of Living go up accordingly.

Player-heroes begin the game with a starting Treasure rating corresponding to their cultural Standard of Living. They attain a superior rank when their Treasure score matches that of the rank above theirs, as shown in the table below.

Improve Standard of Living:

Starting Standard of Living

Treasure Rating

Frugal

0

Common

30

Prosperous

90

Rich

180

Very Rich

300+