The player must always give a sound reason why he or she may impose such a penalty. The character must have a clear and obvious influence over the opponent's roll. The GM must decide which percentile rolls would conceivably be influenced by a character's luck, and which are outside a player's control. Racial Ability Score Adjustments Humans and halflings are the luckiest races because they are not tied by fate and destiny. Dwarves and elves are the unluckiest because they seem to be most attached to the path set before them.
Gnomes are neither luckier or unlucky.
The following is the racial adjustment to the luck ability score. If the GM wishes to limit luck to PCs and NPCs then the rule is that only creatures with souls can have luck and therefore only PCs and NPCs can have luck points. Else the GM can give luck to all living animals. For each game day a player rolls 1d20. A 1 indicates a lucky day for his character and that character receives 1d4 additional luck points for that day.