Conversion Factor
The Conversion Factor (CF) for a currency measures how much local money it takes to equal $1.

To convert a figure in ecus into another currency, multiply the figure in ecus by the CF for the currency. 

For example, the Swiss
franc has a CF of 2.1. $1 equals 2.1 Swiss francs. An item that costs $100 costs 210 Swiss francs.

To convert a figure in local currency into ecus, divide it by the CF. For example, if a fancy personal 

computer crafted by the
techno-gnomes of Lucerne costs 3,200 Swiss francs, it costs 3,200 divided by 2.1, or $1,524.

The three ecu currencies, the neodollar, eurotaler and rubyen, all have a CF of 1.00. But not all ecus are 

created equal, and they
have different rates of flux.

Conversion Factors aren't essential. They are included for background color. In game terms, all that 

matters is the real value
of the transaction in ecus. But when a fixer has to lug a barrel of Serbian balkis (1,200 balkis = $1) to a 

meet in Krusevac, it makes life a little more interesting.

Money Games

Rules for fiddling with exchange rates and the uncertainty of fiscal stability are discussed because this 

is a staple in many
cyberpunk settings. The GM may decide this is far too much bookkeeping, and scrap the whole idea. He can 

also set flux rates at
his own whim, without referring to dice rolls. We do recommend keeping the basic currency exchange, rather 

than putting the whole planet on ecus, or some other arbitrary currency. That's a lot too orderly for the 

Edge, livewire.

When Not to Make Flux Rolls

As a rule, trivial transactions, less than $100, should not require flux rolls. 

However,theGMmaydecidetocallforaflux
rollforsmallpurchasesonceinawhile,just 

tokeepplayersfromgettingentirelycom-fortable.Nothinglikehavingasmartcaban-nounce,"Thatwillbe10Neodollars,8
Class-AKeiretsuMarks,or12U.S.dollars
...adjustment...13.5 0U.S.dol...ad-justment.. .14.7 5U.S.dollars,please."
Anyonepayingin"fold,"realhardcopy
cash,canskipfluxrolls.Thatappliesto
moneyprintedbyagovernment,scripcer-tificatesfromamajorkorp,oranykindof
non-electroniccurrency.However,ifachar-acterconvertsfoldintocred(deposits
hardcopycurrencyfortransfertoanelec-tronicaccount),heshouldcheckthefluxat
thattime.

Table of Tech Levels and Control Ratings

Tech Level(TL): Indicatestheaver-ageTechLevelforthecountry.Thisdoes
notmeanthetechnologyavailableto
everyinhabitant,butratherthemedian
point.

Wealthymembersofthesocietymay
haveaccesstomoreadvancedtech;poor
membersofsocietywillbelimitedtosig-nificantlylowertechnology.
NotethatTL8meansearlyTL8,and
thatmostofthetechinthatcountrywill
beTL7,withtheTL8stuffreservedfor
korpsandthewealthy.

ControlRatings:Ratingsareas-signedforthreeareas.TheGeneralCR
(Gen.)measuresthepresenceoflawen-forcement,strictnessoflaws,andthe
overalllevelofgovernmentregulation.
TheWeaponsCR(Wpns.)specifically
governstheLegalityofweapons(seep.
C110).TheTechnology(Tech.)CRmea-suresth eLegalityofcyberwearand
cyberdecks,aswellasgovernmentregu-lationofindustry,medicalresources,
powersources,andotherhigh-techfea-turesoflifeintheone-and-twenty.

WealthLevel(W):Acitizenofaver-ageStatus(Level0)willliveattheWealth
Levelindicated.
D: Dead Broke
P: Poor
S: Struggling
A: Average
C: Comfortable



^ Country / Region ^ Tech Level ^ General CR ^ Weapons CR ^ Tech CR ^ Wealth ^
| United States | 10 | 4 | 4 | 4 | A |
| Communaute d'Atlantique Quebecois | | | | |
| Mexico


PaymentPlans

Aperson'swillingnesstopaydebtsin
valuta,andtoacceptdengiaspartialpay-menttohimself,canbeacriticalfactorin
negotiationsaboutpayment.

Mostpaymentforcriminalorhard-to-getgoodsorservicesisamixofhardand
softcurrencies.Standardpaymentsaredi-videdintofourequalblocks.Oneblockwill
beinclass-Bvaluta,twowillbeclass-C
dengi,andthefourthwillbeclass-D dengi.

Eachblockcanbenegotiatedonceand
onceonly.The appropriateskillsareMerchant(foranysituation)orStreetwise(for
criminalgoodsorservices) .Fast-Talkmay
besuitable,ifthedealhastogodownina
hurry,andtheplayercanconvincetheGM
thathehasaplausibleline.

RollaQuickContestbetweenbuyerand
selle r(thepersontobepaid)foreachblock
tobenegotiated.

Thesellercantrytoupgradetheflux
classofablock,butthismayreducehis
effectiveskillfortheQuickContest.

Upgradingclass-Dtoclass-C... .-0
Upgradingclass-Dtoclass-B... .-2
Upgradingclass-Dtoclass-A....-6
Upgradingclass-Ctoclass-B... .-0
Upgradingclass-Ctoclass-A... .-4
Upgradingclass-Btoclass-A....-2

Theselle rcanalsonegotiateforablock
infoldingcashwithoutanynegativemodi-fierstohisskillroll.
Ifthesellerwins,hegetshisway.Ifthe
buyerwins,hemayeitherdowngradethe
blockonefluxclass,orreduceitsrealvalue
by10% .

Forexample,YinSladeneedstohirea
netrunner.Heoffers$10,00 0toJumping
Jack:$2,500inclass-Bdeutschmark,
$5,00 0i nclass- CU.S.dollars,and$2,50 0
inclass-DQudbecoisfrancs.(Vinisthe
buyer;Jackistheseller. )
JacktriestogetVintoimprovetheoffer.
TheyrollaQuickContestoverthedeutsch-markblock.Jackisat-2onhisskillroll,
sinc eheistryingtogetVintoupgradeto
eurotalers,aclass-Acurrency.Vinwinsand
Jackisbeatendowntotaking$2,250in
marks.

Jackswitchestoanargumentoverthe
Quebecoismoney.Hewantstobepaidin
fold.JackwinsthisQuickContest.
Jacktriesnegotiatingonthe$5,00 0in
U.Scurrency,rollingonceforthewhole
fivegrand,toupgradeittoSwedishkrona,a
class-Bcurrency.Jackwins.

Atthispoint,allfourblockshavebeen
negotiated.Sothefinaldealis$2,50 0in
Quebecoisfrancs,paidinfold,therestin
electroniccred:$5,000inkrona,$2,25 0in
deutschmarks.

Ifthisistoocomplicatedforyourtastes ,
astandardMerchantcontestcanberolled.
Thewinnergetstoraiseorlowertheoverall
priceby10 %orraisealltheblocksone
class:oneclass-A,twoclass-B,oneclass-C.

ECONOMICS

Dyadooshkausedtosaythat"moneymakestheworldgo'round."Todaythat
goes"valutagivesabreetvaEdge"(moneygivesarazoritsEdge).
Doublepuntalk,paryeni.Allusbreetvasonthestreetknowwherewegetour
Edge,neh?Whenafixersignsyouupforahotjob,makesureit'shardvalutahe's
slottin'intoyourcard,notthelocalsloppy-softdengi.Credorfold,machtsnichts
aslongasitturnsintoecusniceandclean.

CredandFold

Mostoftheworld'smoneyiscred,electroniccurrency.Credistrackedbythe
interlockedaccountingcomputersoftheworld'sbanks,risingandfallingbythe
millisecondintheunstableeconomyoftheone-and-twenty.Legitcitizenscan
accesstheirfundsthroughtheirIDcardsornice,traceablebankaccountsthatkeep
trackofeverycentasitmovesfromonepersontoanother.Codedaccountsand
crows(escrows)letfolksmovecredwithoutsustainingtheirritationoflegal
identities.

Atinytrickleofmoneyisfold,foldingmoney,hardcopycash,realbills.The
firstworldgovernmentskeeptryingtoswitchtoacashlesssociety ,andeventhe
mosttightlycontrolledonesfindthattheycan'tdoit.Toomanyimportantpeople
needmoneythatcan'tbetracedthroughtheNet.Nonetrunnereverbacktracked
toitssourceaplasticsackstuffedwithsmallbills.


Inthefirstworld,about95%ofthemoneysupplyiselectroniccred.Awell-behavedshaikujincangohiswholelifelongandneve

rseeascrapoffold.That
other5%-trillionsofecus-flowsthroughtheguttersofthestreetsandinthe
quietestofficesofthespacescrapers,oilingthesecretmachinerythatmakessoci-etyrun.
Inthelastworld,foldismuchmorecommon.Tchort,therearestillplaces
wherethefolkswouldn'tknowacredcardifyoufedittothem!Peoplecanuse
credinlastworldcities,eveninsomeofthebiggertowns.Butoutintheboonies,
youusetheloca lfoldorstarttalkingbarter.

ValutaandDengi

Valutaishardmoney,eithercredorfold.Currencybackedbythestrongest
firstworldeconomiesorthetopkorpsisthebestkindofvaluta.
Everythingelseisdengi:softcurrency,changinginvaluedaily,usuallyforthe
worse.Somedengiisn'tbad.Youcangetpaidinitoneweekandstillaffordthe
rentthenext.Mostofitistrashcash;acceptitatyourownrisk.


Ecus
Ecus,"EconomicCommunityUnits,"arethehardestvalutathereis.When-everafigureintheserulesispreceededwitha"$,"it

referstotheamountin ecus.

Worldeconomics(andthepricesinthisbook)arebasedonan"ideal"ecu,
withabaselinevaluepeggedtointernationaltradebalances,grossnationalprod-ucts,moneysupplyandathousandothervar

iables.
Therearerealecus-theinternationaltradingcurrencyofthethreefirstworld
tradingcommunities.IntheAmericas,it'stheneodollar.Thisisthemaineco-nomicindicatorintheAmericas.Drivenbytheg

rowingeconomicfrictionbe-tweentheU.S.andtherestofthehemisphere,theChilentinanpesoshowssigns
ofbecomingthebasisofapurelySouthAmericanecu.Thiswouldhaveadrastic
effectontradebalancesandinternationaldebtforbothcontinents.TheAmerican

powersareverycautiousaboutradicallyalteringtheirfinancialstructure,forfear
ofdisturbingeconomicstability.

TheUnitedEuropeanecuistheeurotaler.PeggedprimarilytotheGerman
deutschmark,itissupportedbythemarketvaluesoftheotherstrongEuropean
currencies.Nationalistmovementsinkeycountriesdefeatedattemptsbytheearly
architectsofEuropeanconfederationtoeliminatenationalcurrenciesandreplace
themwithasinglecurrency.Someofthesmallercountrieshaveadoptedthe
eurotalerastheironlycurrency,butthemajorpowersretainloca lmoneyaswell.
EurotalersareeagerlyacceptedeverywhereinEurope,anditisthefavoredhard
currencyinnorthernAfricaandtheMiddleEast.

Thehardestvalutaintheworldistherubyen,theecusupportedbythejoint
economiesofRussiaandJapan.TheeconomiesoftheCISandlargeportionsof
thePacificRimaretiedtotherubyen.

Ecusarenominallyatpar.Thatis,oneecuequals$1.00 ,whetheritisa
rubyen,aneodollaroraeurotaler.However,evenecuscanvaryfromthisidea l
value.

CurrencyFluctuation

ThefinancialsituationontheEdgeisanythingbutsteady .PCsshouldnever
becompletelycomfortableaboutthesafetyoftheirbankrolls.Thekeytoplaying
gameswiththemoneysupplyisfluctuationbetweenonecurrency(theonethe
personhas)andanother(theoneheneedstogetwhathewants).

Unlesscharacterstrytomakeakillingbytradingincurrencies,thisusually
involvesmeasuringthestabilityofmoneycomparedtothe"ideal"ecu.Whenever
anadventurertakesmoneyinorpaysitout,theGMcanchecktoseeifthestate
oftheworld'seconomyhelpsorhurtshim.

Thescorethatcontrolsthisiscalledflux.

Flux

Fluxmeasuresthedegreebywhichacurrencycanvaryfromitsfacevalue.
Valutahasaverylowrateofflux;whenitdoesfluctuate,itoftenincreasesin
value.That'swhyit'svaluta.

Dengihasaveryhighrateofflux,anditoftendecreasesinvalue.
Fluxismeasuredbytworatings:afluxnumberandaletter,thefluxclass.
Highfluxnumbersareconsideredgood-thatis,currencieswithahighnumber
aremorestable.FluxclassesareratedAthroughE.An"A"or"B "indicatesvery
stablevaluta.A"C, ""D,"or"E "indicatesdengi.Class-Edengiisparticularly
unstablecurrency,subjecttowildinflation-"trashdengi,"instreetjargon.

Thefluxnumberandfluxclasscomeintoplaywhenevermoneychanges
hands.Anytimeanoperatorisinvolvedinasignificantfinancialtransaction,the
GMcanrequiretheplayertomakeafluxroll.

FluxRolls

Wheneveranindividualisbeingpaid,orwhenhebuyssomething,theGM
shouldroll3dagainstthefluxnumberforthecurrencyheisusing(seesidebars,
p.60-62).Forexample,ifacharacterispayinginU.S.dollars,therollisagainst
16,thefluxnumberforthatcurrency.

Treatthefluxnumberlikeaskillforpurposesofcalculatingcriticalsuccesses
orfailures,asdescribedonp.B86.
Iftherol lsimplysucceeds,thenmoneychangeshandsatfacevalue.Any
otherresultchangestheamountofmoneyinvolved.Theexactamountdependson
thecurrency'sfluxclass.
Onacriticalsuccess,valutaissubjecttopositiveflux.Theplayercharacter
getsapercentageofcashinhisfavor.Ifsomeonepayshim,hegetsmoremoney
thanusual.Ifhespendsmoney,thenthepriceofwhateverhebuysisreduced.
Dengi,withafluxclassofCorworse,doesn'tbenefitfrompositiveflux.
Iftherollfails,that'snegativeflux,andtheexchangerategetsworseforthis
transaction.Theexactpercentagedependsonthenumberofpointsbywhichthe
rollfailed.Ifthepersonisreceivingmoney,theamountisreducedbythepercent-age.Ifheispayingsomeoneelse,hiscostgo

esupbythesamepercentage.
Onacriticalfailure,add1d-1tothemarginoffailure.Thatis,ifacritical
failuremissesthefluxnumberby4,rollld-1andaddtheresultto4tomeasure
theactualeffectofthenegativeflux.Forexample,theplayerrollsan18againsta
currencywithafluxvalueof16C .Thisnormallywouldreducethemoney'svalue
by2+3%(seeFlux Classchartbelow).Butsince18isacriticalfailure,herolls
ld-1,addstheresulttothe2pointsbywhichthefirstrol lmissed,andaddsthatto
CurrencyTables(Continued)
UnitedEuropeanCurrencies
CountryCurrencyCFFlux
EffectsOfFluxClasses
A:Positiveflux:(2d-2)x5%.Negativeflux:1%perpointbywhichtheroll
wasmissed.
B:Positiveflux:(1d-l)x5%.Negativeflux:2%perpoint.
C:Positiveflux:Hasnoeffect.Negativeflux:3%perpoint.
D:Positiveflux:Hasnoeffect.Negativeflux:5%perpoint.
E:Positiveflux:Hasnoeffect.Negativeflux:7%perpoint.
Inthesidebars(pp.63-64)aretwoexamplesofhowtheGMcanuseflux
duringmoneyexchangesinthecampaign.
WalkingAroundtheBlock
So,aparyenishagglingoveradealandthefluxrollcomesuplousy.Whatcan
hedoaboutit?Afterall,iftheworldmonetaryexchangesareasfickleaswe've
jus tdescribed,hecouldmaybegooutforacupofkaff,comebackinhalfanhour,
andgetawholenewdeal,right?
Nicetry,livewire.
Therearetwosituationstoconsiderhere.Inthefirst,andsimplest,case,the
operatorhasalreadyagreedtothedeal.Backingoutis,attheleast,goingtogive
himastreetrepasaweasel(eithertemporarilyorasanout-and-outReputation
disadvantage).Ifhepullsitonthewrongpeople,hemayjus tgetkilled.Ifhehas
agreedtotakepaymentinTurkishliras,hecan'tchangehismindwhenthelira
takesanosedive,anddemandEastAfricankenyattasinstead.Ingeneral,this
happenswhenthepersonisgettingpaid.Thefluxrollsaremadewhenhisem-ployerpayshim,whetheritisaregularsalaryfromt

heJobsTable,oraone-time
transactionaftersomeirregularpieceofskullduggeryforakorp's"Competitive
Research"office.Ofcourse,oncehe'spaid,he'sfreetositonthepaymentand
waitforabetterexchangeratetorollaround,aslongashedoesn'thaveanybills
topayorgroceriestobuyinthemeantime.

Whenthecitizenispayingsomeoneelseforgoodsorservicesandfinds
himselfontheshortendofbadflux,hehasmoreoptions.Hecan"walkaround
theblock,"thatis,holdoffclosingthedeal,waitingforamorefavorableex-changerate.Thelengthoftimehe'llhavetowait

beforemakinganewrol l
dependsonthefluxclassofthecurrencyhe'sdealingin.
A-24hours.
B-2days.
C-4days.
D-1week.
E-2weeks.
Somepurchasesaretime-sensitive.Ifyouarebuyingbulletsinthemiddleof
afirefight,that'scertainlyaseller'smarket.Paytheman,forheaven'ssake!
Ifthedealinvolvedanyfancysearchingtofindabuyerorseller-forexam-ple,ifanetrunnerisnegotiatingtobuyblack-mark

ethightechtoupgradehis
cyberdeck-thenwalkingaroundtheblockmeansthatthesourceofthemerchan-disewilldisposeofitelsewhere.Thebuyerwill

havetolocateanewsourceofthe
material.
Apersoncanalsoplaymusicalmoney,offeringadifferentcurrencytoavoid
alossduetonegativeflux.
Forexample,HeavyAjaxispayingofftwobreetvasforabitofprofessional
violenceearlierintheweek.Thepriceagreedonwas$1,000 ,inanyreasonably
hardcurrency(fluxclassAorB).Ajaxtapsintoacrowthatcarriesitsbalancein
Israelishekels,whichhaveafluxof14B.Thedicerollis17 ,whichisacritical
failure.Ajaxisloathtoforkoverextravalutatothesewired-upstreetops,sohe
dipsintohisslushfund,apacketofrubyenstashedinaPetrogradvariablefund.
Rubyenarerated16A ,top-of-the-linevaluta.Thistime ,Ajaxroll sa12 ,andforks
over1,000rubyen.Thismaybeill-advised,ofcourse.Rubyenareashardas
currencygets,whereasshekelsarelessstable;butcashflowiscashflow.
AprudentadventurerontheEdgewillmaintainhisfundsinseveralaccounts,
spreadoverasamplingofseveraldependablecurrencies.
TheKurse
Kurse(pronounced"koor-suh"),inRussian,Germanandacoupleofother
languages,means"currencyexchangerate."Instreetlingo,it'spronouncedthe
sameas"curse."IfaGMwantstokeepplayersanxiousabouttheirsavings,this
isasadisticallyusefultool .
TheGMcanmakeafluxrollforanycurrencieshewantsatthebeginningof
aplayingsession.Anyfluxresultsareinforcefortherestofthesession.
Tobereallynasty,hecancarryfluxoverfromoneadventuretothenext.Say
herollsagainstU.S.dollarsoneevening,andthedollarplunges3%.Nextweek,
herollsandgetsnegativefluxonthedollaragain,droppingitanother6%.The
dollarisnowdown9%!
Whencarryingovernegativefluxthisway,apositivefluxrollrestoresthe
currencytoitsfacevalue.Thatis,itcancelsallthenegativeflux.
Andtotopitoff,playerscanstillrollforfluxonindividualtransactionsas
well,usingthekurseasthebasicrate.Saythedollarisdown9%.Ifaplayergets
another3%ofnegativefluxonatransaction,heisdown12 %forthatsale .
Anothernastythingtodowiththekurseisdevaluingcurrency.Normally,
adventurersdon'tactuallysufferreductionsintheirtotalsavingswhenhitwith
negativeflux.Itonlyappliestotheamountofmoneytheygainorloseonagiven
transaction.Evenwhencarryingaroundnegativeflux,itdoesn'taffecttheirbank
balance,justthepurchasingpoweroftheirmoney.Notsowithdevaluation!
Onakurserollof18 ,theGMcandecidetodevaluethecurrency,usingany
negativeflux.Teammembersthenhavetoreducetheirholdingsinthatcurrency

bytheamountofnegativeflux.Theycan'tholdontothemoneyandwaitfortimes
togetbetter.
Devaluingacurrencycancelsoutanynegativefluxthathasbuiltupagainstit.
Forexample,atthebeginningofasession,theGMrollsforthekurseonU.S.
dollars.Previouskurserollshavealreadyput6%negativefluxagainstthedollar.
Herollsan18 ,andknocksthepoor,abusedgreenbackdownbyanadditional
14%,foratotalof20%.HealsoannouncesthatProGovisadjustingthefree-float-ingvalueofthedollar.Everybodyloses20%o

fhisholdingsinU.S.currency.Ifa
citizenhad$10,000indollarsinthebank,hisaccountisreducedto$8,000.
Credinth eNet
CredcanbestoredintheNetinseveraldifferentforms.Eachhasadvantages
anddisadvantages.
PersonalAccounts
Legitimatecitizens-folkswithestablishedidentitiesandcredcardsor
citcardstoprovewhotheyare-usepersonal,orbank,accounts.Themoneyina
personalaccountbelongstoyou,andonlyyoucanauthorizeawithdrawal,using
properIDtoverifythattheorderislegal .IfyouloseyourID,itcan'tbeusedto
lootyourbankaccountunlessthethiefhasthenecessaryresourcestoovercome
thesafetychecksthatverifyidentity(se ep.36).
Ifyourmoneyisstolenfromapersonalaccountinspiteofthesechecks,and
youcanprovethatitwasstolen,thebankhastorefundtheloss,underthelawin
everytechnologically-developedcountryonEarth.
Sowhat'ssobadaboutpersonalaccounts?Well,ifyoudon'thavealegal
identity,youcan'tuseone.ThosewiththeZeroedadvantage(p.C21)can'thave
apersonalaccountunlesstheyti eittoaTemporaryIdentity.Andanyfunds
allocatedtoaTemporaryIdentityareconfiscatedwhenthefakeIDisdiscovered
(seep.C20).
Taxrecordsareautomaticallyregisteredwhenmoneyisdepositedtoaper-sonalaccount.Inmanycases,taxesareautomatical

lydeductedfromdeposits
whentheincomeissubjecttotax:paymentfromemployment,investmentincome,
paymentforfreelancework,royalties,etc.
Anytransactionpaidwithcredfromapersonalaccountcanbetracedbackto
thataccount,andsototheidentityoftheaccount'sowner.ATraceprogram(see
p.C92)candothis.Keepinmindthatprogramslikethisareillega lforprivate
individuals,notforbanks(andthekorpsthatownthem)orgovernmentagencies.
BlindAcounts
Blindaccountsarenotregisteredtoagivenindividual,butaretheequivalent
ofthenumberedaccountsofferedbytheSwissforcenturies.Anyonewiththe
propercodecanaccesstheaccount.
Separatecodesareusedfordepositsandwithdrawals.Onecansafelygive
depositcodestootherpeople,tomakepaymentsdirectlyintotheaccount.With-drawalcodesarekeptverysecret.
BlindaccountsareavailableinanycountrywithaControlRatingof3orless
(althoughtheSwissarestillatthetop) .IfaTraceprogramisfedthedepositcode
forablindaccount,itcantraceallmoniespaidintoitbacktotheirsource.ATrace
programthatisgiventhewithdrawalcodecantraceallwithdrawalstotheir
recipients.Remember,though,thatbanksdonotwanttheirtransactionstraced,
andtheirsystemswillbeloadedwithnastydefensivesoftware.Andifthesoft-wareisn'tenough,theycanalwayssendazeroma

nouttofindthehacker.
Blindaccountschargea1%servicefeeonalldeposits.

Crows
A crow, shortfor "escrow account," is similar to a blind account. However, a crow is established with a 

one-time deposit. It cannot be added to. All records indicating the source of these funds are erased from 

the Net. The bank that maintains the crow backs it with its ownfunds.
Acrowonlyhasawithdrawalcode.Itispossibletotracewithdrawalsfromit,
butnottheoriginaldeposit.
Lockedcrowsareevenmoresecure,inonesense,thoughvulnerableinan-other.Alockedcrowiskeyedtoone,andonlyone,highl

ycomplexpasscode
algorithmthatisstoredinaspecialcredcard,a"crowcard."Thecrowcardisa
dedicatedmicrocomputerrunningauniqueComplexity2identity-controlpro-gram.Thewithdrawalcodeisprogrammedintoar

esin-sealed,destruct-coded
chiponboardthecredcard.Thecard'sIDprogramcorrespondstoachip-based
programinstalledinthebank'scomputer.
Therecognitionofwithdrawalordersishandledbythesechipsworkingin
tandemthroughtheNet.Thisredundant,hardware-basedsecuritymakesitvirtu-allyimpossibletofakethewithdrawalcodef

oralockedcrow.Youmusthavethe
cardtogetthemoney.
Lockedcrowsarelikefoldinthisregard.Ifyoulos ethecrowcard,orit's
destroyed,that'sit.Youlosethemoney.Ifsomeonestealsit,heownsthemoney.
ATraceprogramcanonlytracewithdrawalsfromalocke dcrowifithas
accesstothecrowcardthatcontrolsit,sothatitcanidentifyitselftothebank's
computerproperly.
Thereisaservicefeeof5%oftheamountdepositedwhenacrowiscreated.
Inaddition,thecrowcardcosts$200.
Foranextra$2,000,acrowcardcanbekeyedtoanindividual'sthumbprint.
Thismakesthemoneyeffectivelyrobber-proof,butalsomakesitnontransferable,
exceptthroughwithdrawal.


CurrencyTables

Flux classes andnumbersareassigned usingthefollowingcriteria.

A: Ecus. Strongest firstworld economies. Top 5 korp-marks.
B: Average firstworld economies. Next 5 korp-marks.
C: Weak firstworld economies. Strongest lastworld economies. Other major korp-marks.
D: Average lastworld economies. Minor K-marks.
E: Weak lastworld economies.

16 : Very stable currency(dynamic economy, strong balance of trade).
14 : Stable currency(growth economy,good balance of trade).
12 : Unstable currency(stagnant economy, poor balance of trade).
10 : Inflationary currency (economic down-turn, recession).
8  : Trash currency (depressed economy).


^ Country / Region ^ Currency Type ^ Conversion Factor ^ Stability Rating ^
| The Economic Currency Units |
| Neodollar | ($) | 1.0 | 16A |
| Euro | ($) | 1.0 | 14A |
| Rubyen | ($) | 1.0 | 12A |
| North American Currencies |
| United States of America | dollars | 1.2 | 14A |
| Communaute d'Atlantique Quebecois | Quebec francs | 3.8 | 12C |
| Canadian Provinces | Canad. dollars | 1.8 | 14B |
| South and Central American Currencies |
| UCAS | unions | 8.0 | 12D |
| Bolivia | boliviano | 24.5 | 12D |
| Brazil | cruzado | 820.0 | 14C |
| Chilentina | peso | 40.0 | 12B |
| Colombia | peso | 53.0 | 14C |
| Ecuador | sucre | 30.1 | 12D |
| Guyana | guyan | 2.5 | 10D |
| Paraguay | guarani | 126.5 | 8E |
| Peru | inti | 408.1 | 12E |
| Uruguay | peso | 10.6 | 12E |
| Venezuela | bolivar | 4.3 | 14D |
| United European Currencies |
| Albania | balki | 1,200.0 | 10E |
| Andorra | Euro | 1.0 | 14A |
| Austria | schilling | 16.2 | 14B |
| Baltic League | balt | 1.8 | 16C |
| Belgium | franc | 37.2 | 14C |
| Bohemia | koruna | 9.4 | 12D |
| Bosnia | balki | 1,200.0 | 10E |
| British Union | pound | 4.8 | 14C |
| Bulgaria | lev | 88.0 | 14D |
| Croatia | balki | 1,200.0 | 10E |
| Cyprus | pound | 0.4 | 14D |
| Denmark | krone | 7.2 | 14B |
| Eire | pound | 1.7 | 12D |
| Finland | markka | 4.3 | 14C |
| France | franc | 5.5 | 16C |
| Germany | deutschmark | 1.5 | 14B |
| Hungary | forint | 27.4 | 16C |
| Iberian Federation | peseta | 90.9 | 14C |
| Iceland | krona | 6.6 | 14C |
| Italy | lira | 1,142.0 | 10C |
| Liechtenstein | Euro | 1.0 | 14A |
| Luxembourg | Euro | 1.0 | 14A |
| Macedonia | drachme | 890.0 | 10E |
| Malta | Euro | 1.0 | 14A |
| Monaco | Euro | 1.0 | 14A |
| Netherlands | guilder | 2.6 | 12B |
| Norway | krone | 5.6 | 14B |
| Poland | zloty | 32.0 | 16C |
| Romania | lei | 14.9 | 14D |
| Serbia | balki | 1,200.0 | 10E |
| Slovakia | Euro | 1.0 | 14A |
| Slovenia | balki | 1,200.0 | 10E |
| Sweden | krona | 4.9 | 12B |
| Switzerland | franc | 2.1 | 14A |
| Turkey | lira | 97.1 | 12C |
| Commonwealth of Independent States (Armenia, Azerbaijan, Byelorussia, Georgia, Latvia, Moldavia, Russia, 

Ukraine |
| CIS | CIS ruble | 0.85 | 16B |
| Central Asian Federation (Kazakhstan, Kyrgyzstan, Tajikistan, Turkmenistan, Uzbekistan) |
| CAP | CAF altine | 3.2 | 12B |
| Middle Eastern Currencies |
| Arab Union | riyal | 42.2 | 12B |
| Iran | rial | 120.0 | 12C |
| Israel | shekel | 9.3 | 14B |
| Kurdistan | dirham | 125.0 | 12D |
| Kuwait | dinar | 250.0 | 12B |
| Yemen | dinar | 420.0 | 10D |
| Asian Currencies |
| Afghanistan | afghani | 600.0 | 8E |
| Australia (Tasmania) | Australian dollar | 1.4 | 10D |
| Bangladesh | taka | 16.9 | 10E |
| Bhutan | ngultrum | 22.8 | 10D |
| Brunei | dollar | 12.1 | 14C |
| Cambodia | riel | 2,120.0 | 10E |
| China | yuan | 1.8 | 16B |
| India | rupee | 8.3 | 14D |
| Indonesia | rupiah | 628.0 | 12D |
| Japan | yen | 105.2 | 14A |
| Korea | won | 670.0 | 12B |
| Laos | kip | 840.0 | 14C |
| Malaysia | ringgit | 2.34 | 14B |
| Mongolia | tugrik | 12.5 | 12D |
| Myanmar | kyat | 7.0 | 14D |
| Nepal | rupee | 12.0 | 12D |
| New Zealand | dollar | 1.6 | 12C |
| Pakistan | rupee | 9.9 | 14D |
| Philippines | peso | 7.8 | 12B |
| Singapore | dollar | 2.2 | 10A |
| Sri Lanka | rupee | 17.9 | 14C |
| Taiwan | dollar | 36.5 | 16C |
| Thailand | baht | 21.0 | 14C |
| Tibet | rupi | 56.4 | 12D |
| Vietnam | dong | 300.0 | 12B |
| African Currencies |
| Algeria | dinar | 4.2 | 12C |
| Angola | kwanza | 22.7 | 10D |
| Botswana | pula | 238.0 | 10C |
| Bulawayo | tchaka | 430.0 | 8D |
| Cape Republic | rand | 1.9 | 10C |
| Chad | ngarta | 27.2 | 12C |
| East African Confederation | kenyatta | 7.7 | 12C |
| Egypt | pound | 68.4 | 12B |
| Eritrea | gonds | 735.0 | 10D |
| Ethiopia | birr | 1,200.0 | 8E |
| Ghana | cedi | 2.8 | 12E |
| Greater Guinea | guinea | 18.1 | 14C |
| Joint Republic of Nigeria and Cameroon | naira | 0.53 | 12C |
| Libya | dinar | 1.0 | 10D |
| Madagascar | frank | 965 | 12C |
| Morocco | dirham | 4.7 | 10C |
| Mozambique | metical | 200.0 | 10D |
| Namibia | mandela | 142.0 | 12D |
| Natal | shilling | 0.82 | 10C |
| Seychelles | rupee | 3.2 | 16C |
| Somalia | rupee | 3.2 | 16C |
| Sudan | pound | 43.5 | 10E |
| Transvaal | rand | 1.2 | 12C |
| Tunisia | dinar | 434.0 | 12E |
| Union of Zaire | zaire | 3.1 | 10C |
| West African Union | franc africaine | 248.0 | 14C |
| Zambia | kwacha | 0.83 | 12D |


Psionics: Uncommon, but known, developed, and actively researched.
Genetics: Uncommon, can engineer new lifeforms to a limited extent and readily clone people.
Magic: Rare, but known; not well developed as it is much harder to artificially engineer.
Cybernetics: Common, well known and well developed.

====== Genetic Therapy ======

Genetic therapy involves the use of biomodification serums that essentially attempt to make lasting modifications to the genetic structure of the person involved to engender a specific positive effect or cure a specific negative effect. Depending on the manufacturer, of course, they may have some known side effects or may have only temporary enhancement capability.

===== Recombination and You =====

In a controlled clinical setting, doctors administer biomodification serums in carefully controlled increments, so that problems can be detected early and potential damage can be minimized. In back-alley serum labs, however, you're likely to be presented with a needle and instructions for usage, and little else.

When a gene tonic is administered, the lucky recipient makes a roll vs their HT plus any modifiers listed on the tonic's description, with effects as listed.

==== Psi-Augmentation Tonics ====

==== Skill Augmentation Tonics ====

==== Bio-Augmentation Tonics ====

====== Cybernetics and Chips ======

==== Bionic Heart ====

Your heart has been replaced with an electronic heart that pumps blood with controlled efficiency, resists 'heart attacks' from any nonelectrical source, and acts as a biomonitoring system to measure blood contents.

=== Upgrades ===

Top of the Line: These advanced-model cybernetics are still at the bleeding edge of technology - in a good way. They have a bonus to resist cybertampering (not as many known exploits) and perform better than 'standard' parts.



=== Discounts ===

Refurbished: A refurbished model has been returned to the manufacturer for replacement at some point and been given a clean bill of health; however, it is almost always used goods, and sometimes still has lingering problems.

Used: This is used goods, plain and simple - hopefully simply resold to the manufacturer after use rather than forcibly extracted, but if you're desperate, you won't ask too many questions other than 'it still works, right?'

Legal: The goods you're using have been altered or modified in order to meet with law enforcement requirements. Usually, this reduces performance or capability. However, it also reduces resistance to cybertampering, and means that you can legally use this cybernetic modification without police interference or requirement for a permit.

Backdoor: While in most cases backdoors are by their nature not divulged to the public, known backdoors may lower the value of a commodity on the black market. Having a backdoor in your equipment means that with proper research someone can gain an automatic success at cybertampering for the purposes the backdoor was made for, whether it be an equipment lockdown for facilitating law enforcement or transmitting an active feed of everything you see to the Secret Ray-Banz Eyewatch stations.

Rigged to Blow: Your new toy comes with a nasty explosive surprise that can be triggered to detonate by a specific method - usually as a way of keeping employees in line. Replacements inflict 6d concussive damage to the poor sucker and anyone around them when they explode; implants inflict x5 damage to the victim (since they're inside them, after all), likely killing them as well as terrifying and harming those around them.

Shock Factor: The electrical system of your new cyberlimb is deliberately wired so that an unscrupulous individual with the right knowledge can cause you immediate, incapacitating pain by triggering it. Often combined with Rigged to Blow to ensure compliance from the noncompliant.



===== Cybertampering =====

Have you ever thought about someone being able to use their cell phone to open your car doors without your permission? Now imagine if they could do the same thing to shut down your arms while driving and you'll get an idea of the real hazards of cybertampering. As a rule, cybertampering involves attempting to use exploits or legitimate overrides against the poor schmoe with the limbs of steel.



===== Fleshbots =====

A now-common practice of contracting out your body for a set period of time. The person contracted receives a free and secure Chip Slot. The contracting company then creates custom personality chips with skill packages. Then they turn around and lease out the newly created Fleshbot to customers for a set period of time and a high price tag. The Fleshbot ends their contract with no memory of their contract time and a large sum of money for their time.


===== Powerstones =====

Gemstones imbued with magical energy. Synthetic gemstones do work perfectly well, much to the chagrin of traditionalists, lowering prices dramatically.