You are incredibly lucky. You have 3 luck points. Whenever you make an attack, ability check, or saving throw, you can spend 1 point to roll an additional d20. You can choose to spend one after you roll the dice, but before the outcome is determined. You choose which of the d20s is used. You can also spend one luck point when an attack roll is amde against you. Roll a d20, and then choose whether the attack uses the attacker's roll or yours. If more than one creature spends luck points to change the outcome of a roll, the points cancel each other out.
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