Wealth and Bulk

## Wealth and Money

Each character begins with a
certain number of credits at 1st level, determined by their
class.  They use these credits to
purchase weapons, armor, and other gear they need for their adventures.  As a character adventures, they accumulate more
wealth that can be spent on better gear and mastercraft items.  In addition to their starting credits, a
character begins play with a set of clothing suitable for their class.

Below is a table that describes the starting credits for various
kinds of characters at various levels.
The section on player wealth is also a good indicator of where
characters should be for their level in terms of overall wealth.

### Credits

The most common currency of
the Star Wars Galaxy is the Standard Credit.
This unit of currency is agreed upon by almost every major government of
the Galaxy, with a set rate of value.
Most credit transactions are done using a Credit Stick, which is an
electronic card that allows for the transfer of electronic funds from banking
institutions.  Some governments do mint
coins that represent credits, however.

### Other Wealth

Merchants commonly exchange
trade goods without using currency.  As a
means of comparison, some trade goods are detailed below.

Cost (Credits)                                                     Trade Good

10                                                     Animal, Common (Wolf)

2000                                                     Animal, Exotic (Nexu)

500                                                   Animal, Livestock (Nerf)

1000                                                                                   Art

10,000                                                           Bacta, 100 liters

10                                                                   Food, Common

20                                                                      Food, Quality

50                                                                       Food, Exotic

50                                                                            Fuel, 1 kg

100                                                 Gems, Semiprecious 1kg

1000                                                       Gems, Precious 1kg

20                                                                               Holovid

200                                                            Ore, Common 1kg

2000                                                                 Ore, Rare 1kg

1000                                                                      Spice, 1kg

10                                                                 Textiles, 1 meter

10                                                                          Water, 1kg

### Selling Items

In general, a character
can sell something for half its listed price, including weapons, armor, gear,
and mastercraft items.  This also includes
character-created items.

Trade goods are the exception to the half-price rule.  A trade good, in this sense, is a valuable
good that can be easily exchanged almost as if it were cash itself.

## Bulk

Especially Heavy or
unwieldy items can make it more difficult for you to move swiftly, as can
overloading yourself with too much gear.
The Bulk value of an item reflects how difficult an item is to handle,
representing both weight and the size of the item.  In most cases, you don’t need to worry about
Bulk unless you’re carrying numerous substantial items or you have a low
strength score.

Bulk Limit

You can carry an amount
of Bulk equal to 5 plus your Strength Modifier without penalty; if you carry
more, you gain the encumbered condition.
You can’t hold or carry more Bulk than 10 plus your strength modifier.

### Encumbered

If you’re encumbered,
decrease your speed by 10 feet, to a minimum of 5 feet.  This applies to every movement type you
have.  You also increase your armor’s
check penalty by 2, or take a -2 check penalty if you’re unarmored.

Bulk Values

Items may have a number
to indicate their Bulk value, or may be light (indicated by an L) or negligible
for the purpose of determining Bulk (indicated by a –).  Ten light items count as 1 bulk, and you don’t
count fractions (so 9 light items count as 0 Bulk, and 11 items count as 1).
Items of negligible Bulk don’t count toward Bulk unless you try to carry vast
numbers of them, as determined by the GM.

Estimating an Item’s
Bulk

As a general rule, an
item that weights 5 to 10 pounds is 1 Bulk, an item weighing less than a few
ounces is negligible, and anything in between is light.  Particularly awkward or unwieldy items might
have different Bulk values.  A 10-foot
pole isn’t heavy, but it’s length makes it difficult for you to move while you
have one on your person.