Caledon Fantasy Character Creation Instructions

Books to start with  
Use GURPs 3rd Ed. Basic set.  
Advantages, Disadvantages, and Skills from the following books are subject to GM approval: Compendium I, Celtic Myth, Magic, Spirits,
and Psionics. As GM, I will need to okay both character sheet and character history. The character sheet obviously must be written up, the history can either be written  or discussed with me prior to starting the game. I will not allow blatantly evil characters, and keep in mind I will be putting your characters together, so if they don't work together I you may find yourself making a new one, or modifying the concept so it works with the group.

House Rules  
Don't use the spell pre-requisites in the Magic book. If you wish to create a character with magic spells choose the spells you want, try to make them related to each other and your character concept and I won't have a problem with it. 
Unspent points can be used in one of two ways:
    1) To pick up skills you know you should have had but didn't take - this usually gets sorted out in the initial gaming sessions
     2) You can burn a character point in extreme situations to either survive or automatically get a success from a failed roll or to get a critical success from a succeeded roll.

Character point costs  
Characters must be 100 points + 50 points disadvantages
(150 points are what you can spend if you take maximum disadvantages)

As the GM, I may or may not add unknown abilities for each character up to a max of 50 points, and usually based on your background… this can be in the form of allies, patrons, or magic/psionic/other type abilities

Character Races  
Non-humans must be discussed and okayed by the GM –
The only sentient non-human are Fae (these are like the Sidhe of Celtic myth), ½ or ¼ Fae, Dragons,  and Gryphons
There are also darker sentient races but you’ll have to really, really convince the GM to allow them as PCs.

Character Ages  
30 years is old for a Caledonian or Albion
50 years  is old for a Gwedion
Most PCs should be late teens to early/mid 20's

Character Languages  
Caledonian ME
Gwedion ME
Albion ME
Ch'an MH 
Ancient MH (only known to scholars)
For basic conversations Caledonian and Albion are interchangeable, but for more complex discussions the same language is required. It is easy to pick up Caledonian if Albion is known and visa versa... and can be done during normal game play (requiring no study time of significance).

Gwedion is a different language.
Ancient is a common language to most of the world, but is only used by scholars (vaguely like Greek was in the real world).

Literacy (and Illiteracy) in Caledon is neither an advantage or a disadvantage, and is usually an individual choice based on career path. Literacy in Albion is an advantage for anyone who is not part of the priesthood or nobility, and literacy in Gwedion is dependant on if the character is rural (an advantage) or urban (where illiteracy is a disadvantage). Generally for PCs I suggest they don't worry about it.

Character Rank and Status
In Caledon rank is not required for those who do not work in military units (ie: Baines, Combat druids, and those in the Order of Magnus do not need to take rank - they are specialists and are given a temporary rank if needed. Status is more appropriate to them.)
Rank 0 apprentice
Rank 1-3 common soldier ranks
Rank 4-5 command rank 
Rank 6-7 the equivalent of a Lord of a holding 
Rank 8 the equivalent of a Clan Lord

In Albion and Gwedion rank and status can be determined by normal means described in the GURPS rule books.

Average Looks
For women average height is 5'4" 
For men average height is 5'8"
Average coloring for either sex is brown to dark brown hair and brown eyes. Mages commonly have green eyes

For women average height is 5'5" 
For men average height is 5'10"
Average coloring for either sex is brown to black hair and brown eyes. 

For women average height is 5'6" 
For men average height is 5'11"
Average coloring for either sex is brown to blonde hair and brown or blue eyes.

Other notes on looks
There are glasses in this world (they look like medieval ones - so not really perfect... and bad sight is still worth -25 points).

Character Training History  
Caledonians usually live with their parents until the age of 8. At 8 they are commonly fostered out to other clans or school/colleges that teach them a trade or profession of some sort, they often  specialize their training at the age of 12 by becoming an apprentice to a particular person. At 15 they are considered adult and start practicing their profession.

Children in Gwedion are born and live with their parents until the ages of 12 to 15. Schooling is done at many smaller community schools in mornings and the children are let off to work in the afternoons. The nobility have private tutors for their children. After between 12 to 15 the children can either start work, or apprentice, or begin in a Gwedion University. At 16 they are considered adult.

Children in the the lower Albion classes are set to work as soon as they walk. Generally, your profession follows that of your family. Mages that are discovered are taken and trained in one of the various clerical orders in the Albion pantheon. For careers that require intensive training (ie: soldiers, clerics, or scholars), children start training as early as the career will allow and continue on until they reach adult at 15. Basic schooling is provided for those who can afford it, or those who require it for their profession, from the ages of 5 to 12. Any male commoner who is not a member of a church can be drafted into the military (if the military needs extra men) they provide 6 months of training in fighting, then individuals are sent to the front. Those who survive can pick up more military training during any down time.

Character Professions
 (This is not an exclusive list of professions... players should feel free to use their imaginations and are welcome to develop professions not listed here, it should fit into the culture of the country your from and please discuss the idea in depth with the GM)
(Please read the world time line to understand how each profession fits into the world - not all professions are available at all time periods that the campaign occurs in) 
  Magical and Cleric Types
     Druids (Priests and Priestesses of the Mother) (Symbol is a Braided Circle) or (Priests and Priestesses of the Father) (Symbol is a Crossed Circle) - Caledonian religion can be seen as being ttwo equally worshiped halves of a god/goddess pair, the mother earth and father sky. It is very nature based and each holding (a clan town) has a circle which acts as a well of magical energy and as a place where people of clan importance are buried and can be contacted for advice and information. Those priests and priestesses of the mother generally have magic centered on healing, earth, water, and animals related to earth and air. Priests and priestesses of the father have magic centered on prophecy, air, fire, and animals related to air and fire. One representative of the father and one of the mother have a seat in the council of lords. There is one rare subclass of battle druids, they are trained as soldiers and druids, and are often found ministering to soldiers on the front lines. The major training center for Druids of the mother is at Stewart hold, with a smaller school in Ruc City. The major training center for Druids of the Father is in Ruc City.
     Morriar (Priests & Priestesses of the Father from Clan Morriar–Necromancers, sort of)  - A Sect of Father worship centered in Morriar that specializes in knowledge of death – they are treated with suspicion by most of the other Caledonian priests (esses). While they study death, and use bodies in their magic, they do not share the corruption of blood mages since they do not used power gained from pain and suffering. This sect has a very scientific outlook in their studies of magic and medicine, and many of their members are highly trained surgeons. This particular sect views life and death as cyclical and related to the seasons, they see the other druids as those who study the half of the circle related to life; while they study the half related to death. Their major training center is Morriar Hold.

     Baines (Combat/Battle Mages) - This school of combative magic was originally set up by group of mages that had fought for the Caledonian rebellion, who later studied in depth how to break the curse of the Overlord’s Hound. They became instrumental in protecting Caledon from the demons that had been summoned when the effects of the Hound's curse became apparent. The Baines became a large player in the council of Lords, and eventually held a seat in council. In Overlord Chulainn's time the Baines had been found by the Order of Magnus to be corrupt (betraying the council of lords plans to the Albions), so they were disbanded. Some Baines did not renounce their ties to the order and others although they renounced are actively advocating for the order to be restarted. Many of the council of Lords think this is treasonous, however the Overlord (Austral) has not declared it so. Their major school was in Ruc City, and many of them settled down there. The Baines carried a medallion of their office that was enchanted so that they could communicate with others in the order.

Potential Disadvantage: Baine Code of Honour (-15): Never to divulge Caledon's plans to her enemies, Childern are wealth, they are to be protected
first, Death before betraying your mission or betraying the others in the order, Demonic corruption can not be tolerated and must be rooted out and banished however possible, Truth always between Baines, Treat Baines as family (basically - kill demons, protect Caledon, Don't rat out your order or your country, and maintain the fellowship of the order)

     Bards (Music Based Magic) - Bards are the teachers and entertainers of Caledon some of them practice a form of musical magic, but
generally they are non-magical. Clan Skye runs the bardic school at Skye hold, and educates all three different classes of bards: historians, teachers, and entertainers. There is also a smaller school in Ruc City.

     Smith College (Enchanters) - The Smith college is a spin off of the Mackenzie Smithing school to train enchanters. It was started by William Smith, a mage belonging to the Order of Magnus. The production of enchanted black stone armour and weapons, as well as other enchanted items manufactured in Caledon generally come from Smith. This is also the only place that powder-spears, and powder-spheres are produced. William, however, has taught no one how to make powder, which he produces in his basement laboratory. The school exists at Smith hold.

  Combat Types
     Black Guard (Fighters) - The Black Guard are soldiers that have trained under the school at Black Hold or at a smaller school in Ruc City, they are the most commonly encountered soldiers in Caledon. Usually children slated to be soldiers are sent to the school between the age of five to eight (they are usually second sons and daughters, or children that show an aptitude for fighting).  Foot soldiers usually use short or broadsword type swords, and crossbows. There are also mounted troops in the black guard. They don't use lances, but they do use small crossbows (fired one handed) and very large horsemen's swords (usually the length of the person who wielded them). Caledonians use horses and Timor for mounts - Timor riders are skirmishers. Black guard are provided with basic weapons and armor. Their armor is made of black rock, hence why the troops are called black guard. Black rock is crystalline and is stronger then metal or leather armor. Its weakness is that it cracks or shatters when hit with magic. Black guard rarely use a shield preferring instead to fight with two swords (a shorter one and a longer one).

Potential Disadvantage: Black Guard Code of Honor ( -15): Protect Caledon and it's people, Childern are wealth - their safety comes before all others, Never turn from your enemy in battle, Never abandon your post or your unit, Obey your commander. 

     Hadrians (Fighters) - The Boarders clan trains the Hadrians. These foot soldiers, exclusively born on the border between Caledon and Albion, have never seen peace, and have generally grown up with a sword in their hands. They are trained from very young and are considered the fiercest fighters in Caledon. Common weapons are short or broad swords, and crossbows. Knives, staves, bows are also valid weapons for Hadrians.

     Overlord’s Hounds (Bodyguards of the Overlord) - Overlord’s Hounds are chosen from among those students learning to fight in any of the various schools of fighting; they are trained to be bodyguards to the Overlord of Caledon in Stewart Hold. Occasionally, they are trained as assassins and spies as well. They are highly trained in hand to hand and close quarters fighting with knives, they are also trained with two or three other weapons of their choice (but are commonly those used by the Hadrians or Black Guard).

Potential Disadvantage: Hounds Code of Honor ( -15): Protect the Overlord at all costs, Never refuse a request by the Overlord, Never abandon your duty, Your only clan (loyalty) is the Hounds and Overlord.

    Order of Magnus (Mixed profession combat group) - The Order of Magnus is a new player in the fighting groups recognized by the Caledonian council of Lords. They initially began as a small group of Baines, Druids, and Black Guard that banded together to fight during overlord Chulainn’s time. They gained great renown in their reclaiming of land over run by the Albions, and were instrumental in bringing down the Baines who by then had become corrupt, betraying the council of Lords to the Albions. The Order was also involved in bringing down the magical divide to the south of Caledon, and involved with the signing of the peace treaty with Gwedion. The originating members of the Order of Magnus have generally retired and taken on apprentices and students. Individual apprentices to this order will be trained in the weapons and skills of their masters. The order has access to William the Smiths powder-spears (something William calls ..ifles) and powder-spheres as weapons, as well as the only enchanted Blackstone armour and weapons in Caledon. The order of Magnus also have rings to communicate with other members of the order.

     Baines (Combat/Battle Mages) - See listing under mages

  Other possible PC occupations
     Mackenzie Clan Smith - Clan Mackenzie trains the best smiths and engineers in Caledon. They also are renowned for their ability to brew and to drink. Mackenzie ale and swords are the favorites of most soldiers in Caledon. Mackenzie is the only location where black stone armour and weapons are produced. 

     Courier (Requires you take a dependent – Timor) - The couriers of Caledon are not specifically trained but are recognized as a separate loosely organized specialty of many of the schools. Couriers are distinguished by having caught and trained a Timor, a wooly goat like creature which can travel at five times the speed of a horse. 
Timor (40 miles an hour sustained, 120 miles an hour for 1.6 miles only)
Horse (8 miles an hour sustained, 45 miles an hour for 1.6 miles only)

  Magical and Cleric Types
     Priests of the All Father (Symbol is a crystal or a star) - This monotheistic religion is the only relligion officially practiced in Gwedion. Many other temples for foreign religions can be found in Hastings, as Gwedion does not actively suppress other religions, but on the whole these religions are not supported very strongly, and most Gwedions tithe to the All Father. The religion is somewhat patriarchal but emphasizes compassion an tolerance of all and is highly involved in caring for the poor or injured. These priests and nuns are particularly skilled healers, orators, and teachers.

     Elemental Mage School - The major school in Hastings for the magically inclined Gwedions. They specialize in elemental magic, and are usually quite showy when it comes to displays of power. The most numerous mages are trained in fire the element of fire and that element is the only one that has a political voice in court. The fire mages of this school are also highly involved in the study of the heavens and often practice astrology.

     Enchanter Mage School - This school in Ledger, a small trade center in northern Gwedion trains enchanters an produces finely crafted and detailed magical items. They have a position in court and are charged with producing magical items for the court.

     Alchemists - The Alchemists of Gwedion are a loosely structured guild, but it has members of renown and long ago gained a place in the court. Most of the Gwedion combat units also employ an alchemist to provide them with a variety of potions. Alchemists are trained by individual apprenticeships to a master.

     Bards (Music Based Magic) - The bardic school in Hastings trains entertainers in a variety of fields (music, dance, and as jesters). Every year during the large spring festival the school holds auditions for those who seek places in its ranks. Those who are trained in the school become entertainers for noble houses as well as traveling to dispense news and new laws to the populace. They often have magical abilities related to their skills, but it is not a requirement to enter the school.

  Combat Types
     Black Guard - This is a battalion of Caledonian Black Guard rotated though Gwedion as part of the Caledonian treaty (see above)

     Royal Guard - This Elite guard is hand picked from the various Gwedion military units and trained to protect the royal family and castle. They employ a number of weapons and techniques, but all are trained in close quarter fighting with batons.

     Soldier - Militarily, Gwydion has an army, and a navy. However, various units are trained based on their commanders preferences and are quite varied in size, skill and weapon choices. The common Gwedion weapons are broadswords, pole arms, and bows. However, in the city it's vogue to use rapiers, tho most of the real soldiers know it's not good for warfare. Mounted troops use horses. The military units choose one representative from the army and one from the navy to speak for them at court.

  Other possible PC occupations
     Thief (city dweller – membership in the thieves guild) - This is an underground guild. The members tithe to the boss, who has kept his identity hidden from the authorities despite their best effort at closing this guild down.

     Guilds member - There are many guilds within Hastings. They are organized into a council of guilds; which has a voice in court. 

  Magical and Clerical Types
     Priest of Chandros (god of the wild) (Symbol is a wolves head) -This religion is the oldest Albion religionn, and related to the Caledonian druidic worship of the Father. While corrupted, it practiced elements that made it one of the most frightening of the religious practices in Albion, such as the wild hunt and sacrifices to the tree of souls. Pockets of uncorrupted worship existed in the remote areas of Albion and within the Nobel family the Summerfelds. Upon Arthos' ascension, this religion was chosen as the main state religion, and the head of the Summerfeld family has become one of the foremost advisors to the king. The priests of this order commonly have the ability to change shape.

     Priest of Pallin (god of justice) (Symbol is a balance) - This was the state religion at the time thhe curse was laid on the Albion throne, and remained so until Arthos' accession. Under the corrupt throne the worship took on the aspect of blind justice, upon the breaking of the curse the religion underwent a fiery re-birth, as those who were under the influence of the demonic forces were judged and cleansed by their rather angry god.  The remaining priests were given the task of purifying the taint from the other religions, and have undertaken this task with a zeal that boarders on the corrupt behavior of  the inquisition.

     Priest of Malec (god of knowledge) (Symbol is a book) - The only other religion that survived the purging after Arthos' ascension. This priests of this god have always been involved with the collection and maintenance of knowledge be it the profane knowledge of the corrupt years or any knowledge gathered in times before or after. The priests are active as teachers and lore keepers throughout Albion, and many of its practices did not change. The most recent change is that the secretive personal hording of information has been discourages, and many of the orders libraries are being restocked from the various hordes found by Pallin's priests in the hands of corrupt priests of Malec. There has always been cooperation between the Priests of Malec and those of Pallin. To some extent there is friction between Malec and Chandros because those of Chandros tend not to codify their knowledge. 

     Rebellion Priest/Priestess of the Mother or Father (Symbols like Caledonian ones) - This is a direct import from the Caledoniaan religions (see above). Those that practice this religion in Albion are particularly secretive, as it was never subject to the curse, but could be put to death for its practice. The main areas of practice are in the western farming regions of Albion along the Caledonian boarder.

  Combat Types
     Soldier - Most of the common Albion soldiers are drafted, however there are a number of families specialized in military traditions - many of the children from these families are in command positions. The common Albion weapons are long swords, pole arms, and bows ranged for distance. Knives, staves, bows are also valid weapons. Mounted troops use lances and horses.

     Rebellion Soldier - There has always been an underground movement in Albion to combat the corruption of the state. The fighters of the rebellion were commonly supplied and funded by Caledonian sources and a few old noble families that managed to stay out of the grasp of the demons that were influencing the throne. Many of these soldiers have various items that allow them to sense demon taint or protect them from the influence of demonic magic.

     Rebellion Spy - Like the rebellion soldiers these spies usually are supplied and sheltered by Caledonian sources and like the soldiers they also usually have items or spells to protect themselves from demonic taint and magic.

     Royal Guard - Upon Arthos' ascension to the throne the old royal guard was cleared of any of those who were tainted by the demonic control of the throne, and new guard was placed to protect Arthos and to have pledged to fight and expose any corruption with in the court. As a combination of bodyguards and police force these individuals are kept very busy. They are trained in hand-to-hand, knife and bow or cross bow, and a few of them are combat mages. Prior to Arthos' ascension the Albion Royal Guard was a highly corrupt fighting force that was slavishly loyal to the King. The force was very cut throat within its ranks and  not unlike the Gestapo within Palace City.

A brief view of  Caledon History and its Social Structure
Caledon and Albion were once one country (called Albion) but the ruling class became particularly corrupt, they tried to invade Gwedion. During the war they conscripted many men from the highland clans. These clans eventually rebelled during a major offensive in the south. This caused a mass defeat of the Albion army and the raising of the magical partition in the mountain range that divided Gwedion from Albion. The ensuing chaos of the defeat at the hands of Gwedion and the rebellion allowed the rebels to claim the western half of Albion in the name and governance of the highland clans. This new country became Caledon and an elected ‘overlord’ became the head of state. Initially the Albion royalty called a truce and in attempt to re-unite the country invited a delegation from Caledon to peace talks. The crown prince of Albion betrayed both the Albion Royalty and the Caledonian delegation, managing to stage a coup during the peace talks and killing the Caledonians; but not before the Overlord’s hound (the bodyguard of the Overlord) cursed the throne of Albion to strife until an incorruptible ruler was found. This caused the throne of Albion to fall prey to all manner of demons attempting and usually succeeding in corrupting the rulers of Albion. 

Two hundred years later the war between Caledon and Albion still continued but many of the people involved have forgotten the exact reasons.  

In recent history the Overlord Chulainn Stewart married the Gwedion Princess Maria Hastings and had three children, Tye, Marrina, and Mertis; before his death in the ongoing war with Albion. With the death of Maria’s younger brother Jorden, who had no heir, Chulainn's son Tye will become king of Gwedion when he turns 19 (Tye is presently 14). Between Caledon and Albion, the has been a recent signing of a peace treaty between Overlord Austral Black and the child king Arthos Montane who has currently claimed the throne, and possibly broken the curse.

The political set up of Caledon is a hereditary council of clans called The Council of Lords. It contains one representative from each clan, the High Druid of the Mother (or the representative), the High Priest of the Father (or the representative), the Head of the Bardic College, the Captain of the Overlord’s Hounds, the Commander of the Black Guard, the Commander of the Hadrians, and the Head of the Mackenzie School. This council elects an Overlord to head the council; the overlord cannot be elected from those already on the council. The Order of Magnus has the right to speak in the council, but does not have a seat. The Baines, who once held a seat, but no longer do, are considered a defunct order with no standing in the country, and their school has been disbanded and turned over to the druids or the bards. Law in Caledon can be dispensed by a tribunal which contains a minimum of one druid, one bard, and a holding lord (or an individual chosen by the lord as a representative). If the accused is a holding lord then the tribunal must contain a clan lord (or chosen representative), if the accused is a clan lord the tribunal must be conducted by The Council of Lords. The accused has the right to speak in his own defense and may have their holding lord speak for them as well. Tribunals are supposed to be neutral parties, and non-neutral tribunals can be placed on trial themselves if their decisions are appealed to a higher level (ie: to the clan lords or any of the council members). 

Caledon holdings are a series of connected buildings surrounded by a palisade or wall. Living is communal during the winters, due to the severity of the cold, but generally people move out to smaller summer homes that dot the countryside around the holding. There are two "moving days" which are accompanied by a festival in which it is traditional to move in and out of the holding, once in the early spring and once in the late fall. Ruc is the only true city in Caledon, which has individually owned homes and businesses that are lived in year round.

A brief view of  Albion History and Social Structure
After the Caledonian curse the Albion royalty succumb to the temptations that various demons used to corrupt each reign. The nobility generally viciously fought amongst each other to claim the throne, and no reign has been particularly stable. The only thing that has been a constant is the ongoing war to reclaim the Caledonian lands. There has always been the prophesy that an incorruptible would eventually gain the throne, and thus many of those with sights on it have committed horrid atrocities to guarantee that no innocents were in line for the throne. In recent history one of the Albion princes, Regant, renounced his family and his claim on the throne and went into hiding. His son, Arthos was raised away from the palace, in an isolated location. Arthos (age 16) was recently placed on the throne after Regant was convinced by Caledonian interests to place his son on the throne. This seems to have broken the curse and Regant has worked to clean the corrupt factions out as commanded by Arthos. Currently any religion that gains from sacrifice or pain of others has been outlawed in Albion. This has caused quite a change in the country and many heads have rolled as a
result. As a side note women are considered second-class citizens in Albion.

A brief view of  Gwedion History and Social Structure

Gwedion, once the magical barrier was in place to the north developed in relative peace for many years. They split their religions from their magical colleges, and eventually developed the monotheism of the all father. Their schools of science and magic are known through-out the world as is the size and wealth of their capital city, Hastings. Of course this has lead to some recent conflicts with their neighbor, Aurelines. However, the Gwedions are not the most skilled at the martial arts, and until the contact with Caledon and the resultant collapse of the northern barrier; they relied on their ability to negotiate monetary peace treaties, which were slowly sapping the country of it’s wealth. The treaty signed with Caledon now gives Caledon access to the mage skills and food production of Gwedion and Gwedion receives an army. The marriage of Chulainn and Maria cemented the relationship between the two countries, and with the Heir to the throne, Tye, being the product of that marriage it seems that the two countries will be joined for longer then the treaty. 

Currently the king of Gwedion, James Hastings is getting on in years, and there is some discussion about what happens if he passes away before Tye
(presently 14) reaches 19. Theoretically Maria would sit as regent, but it is unheard of for a woman to act as the head of the country, even as regent. This argument takes up many of the hours of council not devoted to the actual running of the county. Thus far King James has not attempted to quell the debate, some think it’s because he wishes Maria to rule, others think it’s because he doesn’t wish to consider his demise. There is also
some in Gwedion that think that Tye should rule Caledon, and do not understand idea that rule is not passed from father to son, but that the ruler is
elected by the Council of Lords. 

Character Equipment

Caledonian society is more social/barter based. In the military your weapons and armor are made and given to you. The same goes for adventure kit - just keep in mind what would be logical for your character to have. Characters have money if they need it, but not a lot - and usually earned by skills that allow barter. As a clan member you are fed and can request a bed at any of your clan's holdings. Soldiers druids and bards can request hospitality from any holding, even one that is not their family clan.  (Hospitality laws are similar to the ancient Scottish/Irish ones). Soldiers have a permanent bed and a trunk and/or wardrobe in the common barracks in Black hold (or where ever they are stationed assuming it's a permanent position). Druids and Bards have a room either in their assigned holding or at their college, other professions are attached to a holding and usually have their winter rooms and summer cottages. If characters want/need something odd ask.

Soldiers can assume you have: Armor - one suit either leather or chain (your call); Armor - second suit of scale/chain, or Blackstone if you are a Hound, Blackguard, or spent some money to get it; Broadsword; Crossbow & Quarrels (Quarrels are given out a dozen at a time - any one can easily get multiple dozens), Horse or Timor (Characters only get barding for their mount if they are part of the mounted troops,  or if they save up and buy it); Kit for travel; Kit for your mount

Other professions can assume they have the gear needed to do their own work.

Albion and Gwedion
Both these countries have a money based economy, pay is based on profession, rank/status, and wealth level, as per normal GURPS Rules. All characters start with a years salary to spend on equipment, reflecting their savings.