Karl

You are born (or adopted) by a merchant family so you understand how to handle money. You know what nobility and royalty means and you learned how to deal with people. Work with your DM about the details of your family like “What were they trading?”, “How were in family relations?”, “What was the place of me in the family?” or “Were we close to the bankruptcy or were we in a good position?”

Skill Proficiencies: Insight or Persuasion

Languages: One of any of these choices.

Equipment: A set of traveler's clothes, a pouch of 25 golds

Suggested Characteristics

Karls are the traders and merchants of Svilland. They earn a lot of money compared to farmers or craftsmen. But unlike jarls, they don't own any land or have the power to command.

d8	Personality Trait
1	I generally try to save my money and barter for the best price.
2	Bargaining is my hobby. I try to bargain even in some trades that I do not make
3	Raiding, stealing or crafting. If the item is valuable, how I acquire it is not important.
4	I only sell to the ones I want. How much they pay is not important
5	None can appraise something as I do.
6	I try to learn special knowledge about people I am bargaining with, just to get lower prices
7	Pieces of art are more valuable for me than the ones who cannot value them properly
8	Quality of product is the most important thing for me.

d6	Ideal
1	Trading is the base of our community. It is a duty to trade. (Lawful)
2	I will see enough gold in Valhalla. I do not need to carry mines also. Sharing my wealth with the poor, those in need or with my friends is better. (Good)
3	I do not work for free. Everything has a price. (Evil)
4	I lived a life of pain and misery. Other should not live that. I try to help those in need. (Good)
5	I am just concerned with my job. Nothing less, nothing more. I do not care about where the items I sold are used. (Neutral)
6	I have a goal and I have been working to reach it. (Any)

d6	Bond
1	I am strictly connected to my family
2	I experienced nice things in my birthplace, I will return there and help them.
3	Money can buy protection. I am trying to protect my loved ones
4	Customer is always right.
5	We have to prepare for Ragnarok. I work for the gods.
6	I carry my first gold. All started with it.

d6	Flaw
1	I am always hungry for more.
2	I must be the wealthiest and most prestigious. I am jealous of such people.
3	I must obtain the rarest pieces
4	I have secrets about how I obtained my priceless treasures.
5	I can kill, steal, murder to get what I want.
6	I am a direct person. If I do not want to sell to someone, I tell it directly with the reason.