By default creatures have a maximum of 2 Fortune charges, and a minimum of -1 Fortune.

Fortune is the max amount of charges of Luck a creature can have.

Creatures primarily gain or lose Luck by rolling Skill Rolls.

1. When rolling a natural 20 on a Skill Roll, the creature gains 1 Luck, up to their maximum Fortune charges.

2. When rolling a natural 1 on a Challenge Roll, they lose 1 Luck, to a minimum of -1, or Unlucky.

3. Once a creature has (positive) Luck, they can use it as a Reaction using Fortunate to give ADV on their next Skill Roll.

4. If a creature has negative Luck, or is Unlucky, their next Skill Roll is made at DIS. Once this condition is met, their Luck is set to zero (or gains 1 charge, from -1 to zero).

5. Creatures can use Feats or gain Passive Abilities to increase their Fortune.

6. A GM can reward players with Fortune if they perform or solve something critical to the story, by being awesome, or another reason by GMD.