Hazards
Hazards are the non-combat dangers characters face in the world. Careless adventurers die to these as often as to monsters.
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Damage — wound thresholds, death, and being incapacitated
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Physical Deterioration — starvation, thirst, exhaustion, and exposure over time
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Substance and Toxins — poisons, venoms, alcohol, and alchemical substances
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Environmental — fire, falling, drowning, extreme cold and heat