GM Quick Reference - Fantasy

👤 NPC Names (d100)

Medieval fantasy names for villagers, merchants, and NPCs

1-25

Aldric Stonefist
Brenna Fairwind
Cedric Ironforge
Delilah Moonwhisper
Eldrin Swiftblade
Fiona Brightstar
Gareth Blackthorn
Helena Silverleaf
Irvin Goldmane
Jessa Stormborn
Kieran Ashwood
Lyra Dawnbringer
Magnus Dragonheart
Nessa Winterfell
Oswald Thornshield
Petra Flamehair
Quinton Ravenclaw
Rosalind Meadowbrook
Silas Ironwood
Thalia Starweaver
Ulric Frostbeard
Vera Lightfoot
Wulfric Steelheart
Yvaine Nightshade
Zara Firebrand

26-50

Alaric Oakenshield
Beatrice Shadowmere
Cormac Deepdelver
Daphne Willowbrook
Eamon Warforge
Freya Skyborn
Godric Hammerfall
Honoria Ravensong
Ingrid Crystalbrook
Jareth Moonblade
Kiera Brightshield
Lucan Stormrider
Maeve Thornheart
Nigel Earthshaker
Odessa Windwhisper
Percival Lightbringer
Rowena Mistwalker
Sebastian Ironvale
Tilda Goldleaf
Ursula Darkwater
Viktor Flameguard
Willa Snowmantle
Xavier Stormblade
Ysolde Emberwood
Zarek Silvermoon

51-75

Aric Ironbark
Bronwyn Faelight
Cassius Nightfall
Deidre Sunshadow
Emmett Runestone
Felicity Starling
Gideon Wolfsbane
Hazel Thornfield
Isidore Crystalhelm
Jolene Forestwalker
Kendrick Stormpike
Lena Moonbrook
Merric Stonehammer
Nora Silverthorne
Orson Deepforge
Primrose Dewdrop
Quentin Drakeborn
Rhiannon Shadowleaf
Soren Ironshield
Tabitha Windrunner
Uther Flamebearer
Vivienne Mistral
Wallace Earthguard
Xenia Brightsoul
Yorick Gravestone

76-100

Astrid Iceborn
Barnaby Goldfield
Celeste Moonfire
Donovan Blackstone
Elara Stormcrest
Finnian Oakhart
Gwendolyn Frostblossom
Hector Ironmane
Isolde Starfall
Jasper Thornwhisper
Katarina Emberleaf
Leopold Stonewatch
Mirella Sunweaver
Nathaniel Shadowforge
Octavia Wintermoon
Phineas Lightforge
Queenie Dewshine
Roland Dragonward
Seraphina Mistfall
Tristan Earthborn
Una Flameheart
Valerian Nightforge
Willow Starshade
Xander Ironwill
Zelda Moonstone

🗣️ Tavern Rumors (d20)

What adventurers overhear in taverns, markets, and town squares

d20	Rumor
1	"The old ruins north of town? Nobody who ventures there comes back. Well... nobody sane, anyway."
2	"The baron's daughter hasn't been seen in weeks. They say she's 'resting,' but the servants whisper of midnight screaming."
3	"Merchant caravan's been hit three times this month. Same bandits each time, but they never leave tracks."
4	"Old Gregor found a cave filled with gold coins. Retired rich! Course, he also went stark raving mad within the week."
5	"The wells have been running red lately. Temple says it's iron in the water. Farmers say it's a curse."
6	"There's something in the forest. Hunters say it moves like a man but howls like a wolf. Under the full moon only."
7	"The new court wizard? Former adventurer, they say. Gave up the life after finding 'something that shouldn't exist.'"
8	"Dead are staying dead for once! Haven't had a zombie scare in months. Which means the necromancer's planning something bigger."
9	"Dragon's been spotted over the Cragtop Mountains. Just circling, not attacking. That's worse, innit? Means it's hunting."
10	"The old church burned down thirty years back. Now on moonless nights, you can still hear the choir singing."
11	"Elves have closed the forest road. No explanation. They just stand there at the border, silent and waiting."
12	"Farmer's daughter says she danced with faeries last night. Came back after three hours. Three days had passed."
13	"Captain of the guard has been buying silver weapons. Lots of them. Won't say why, but he looks worried."
14	"Ancient prophecy's been found in the cathedral archives. Says 'when three stars fall, the darkness rises.' Three meteors fell last week."
15	"Dwarven mines went silent two months ago. King sent soldiers to investigate. Soldiers haven't reported back."
16	"The Oracle's been having visions again. Same one every night: a city in flames, a crown shattered, and a door that should never open."
17	"Merchant guild's hiring adventurers to guard a 'special shipment.' Paying triple rate and asking no questions about past deeds."
18	"There's a tower that appears in the marshlands every hundred years. It's been ninety-nine years, six months, and twenty-eight days."
19	"The king's mirror always showed his reflection. Until yesterday. Now it shows someone else wearing his crown."
20	"A wandering bard sang a song nobody'd heard before. Beautiful, haunting melody. Next morning, she was gone and nobody remembers her face. But we all still know the song."

🔍 Quick Loot (d20)

Items found on bodies, in chests, or during dungeon crawls

d20	Item Found
1	Ornate dagger with inscription: "For services to the Crown - may you never need use it." Has been used. Recently.
2	Locket containing miniature portrait of noble woman. Back reads "To my beloved traitor - your punishment awaits."
3	Half of a treasure map. Shows an X, a compass rose, and ominous warning: "Turn back while you still can."
4	Bottle of wine, vintage from 200 years ago. Either priceless or vinegar. Wax seal still intact.
5	Ring bearing signet of extinct noble house. Would be worth fortune to right collector. Or get you killed.
6	Journal written in cipher. Last decoded entry: "They know. Moving to contingency plan. Burn this."
7	Small crystal that glows faintly when held. Warm to the touch. Makes your teeth itch.
8	Pouch of foreign coins from kingdom that hasn't existed in 500 years. Coins look newly minted.
9	Holy symbol of good deity. Has been deliberately defiled. Still radiates faint divine power despite desecration.
10	Letter of marque from pirate lord. Authentic. Current. Authorizes bearer to plunder ships of three nations.
11	Vial of silvery liquid. No label. Smells like lightning and mint. Could be anything.
12	Wanted poster offering 1000 gold for capture of... one of the party members. Dated yesterday.
13	Music box that plays haunting melody when opened. Induces strange dreams if you listen too long.
14	Key carved from single piece of bone. No indication what it unlocks. Feels important.
15	Bag of teeth. Mix of human, animal, and things that are neither. Some are gold. Most aren't.
16	Scroll case containing spell scroll of powerful magic. Completely blank when opened. Was visible through the crystal cap.
17	Compass that doesn't point north. Always points same direction no matter which way you turn.
18	Eyepatch adorned with gems. Wearing it grants perfect vision from that eye... but shows things others can't see.
19	Playing cards marked with arcane symbols. Instructions in dead language. Definitely not for poker.
20	Small wooden box containing wedding ring, lock of hair, and note: "Forgive me. Tell them I died bravely." No signature.

🎭 NPC Personality Quirks (d20)

Quick traits to make merchants, guards, and villagers memorable

d20	Personality Quirk
1	Speaks only in questions. "You'd like to buy this sword? It's quite sharp, isn't it? Will that be gold or silver?"
2	Pathologically honest. Will volunteer information you didn't ask for. "This lock's easy to pick. I know because I tested it."
3	Collects something bizarre. Buttons, left shoes, interesting rocks. Will trade valuable information for their collection.
4	Narrates their own actions like a bard telling a tale. "The merchant, suspicious of the strangers, narrowed his eyes..."
5	Incredibly superstitious. Throws salt, knocks on wood, refuses to help on unlucky days. Has elaborate reasoning for everything.
6	Former adventurer with PTSD. Jumps at loud noises. Has thousand-yard stare. "You remind me of someone I knew. They died badly."
7	Speaks multiple languages but switches mid-sentence without realizing. Genuinely confused when others don't understand.
8	Overly dramatic about everything. Minor request gets theatrical sighs. "You ask too much! But... very well. For YOU, I shall try."
9	Remembers everyone they've ever met. Their names, conversations, what they wore. Brings it up. It's unnerving.
10	Completely fearless. Dragons? Yawn. Demons? Boring. Paperwork? Terrified. Has their priorities backwards.
11	Talks to their pet like it's a person. Makes decisions based on what their cat/rat/bird "tells" them. Pet is normal animal.
12	Compulsive rhymer. Doesn't quite succeed but tries anyway. "I have the sword of which you spoke, it's not a joke, nor will it choke..."
13	Gives everyone a nickname immediately. Never uses actual names. Nicknames are uncomfortably accurate observations.
14	Believes they're nobility traveling incognito. Aren't. But committed to the bit. Speaks of "their lands" and "loyal subjects."
15	Perpetually eating. Always has food. Offers food constantly. Takes offense if refused. Chews while talking.
16	Laughs at inappropriate times. Sad story? Giggles. Threat of violence? Chuckles. It's a nervous condition. Probably.
17	Deeply philosophical about mundane things. Selling bread becomes meditation on life's impermanence. Takes forever.
18	Speaks in third person. "Groknak does not trust elves. Groknak will sharpen your sword. Groknak accepts payment now."
19	Has prophetic dreams but about trivial things. "I knew you'd order the stew! I saw it in a vision! The chicken was extra!"
20	Identical twin works nearby. They switch places randomly. Neither admits to it. Both claim to be only child.

⚠️ Adventure Complications (d12)

When the quest is going too smoothly, roll for obstacles

d12	Complication
1	Rival Adventurers: Another party is after the same goal. They're better equipped, well-funded, and have a head start.
2	Betrayal: Quest giver lied about critical detail. Truth changes everything. Do you continue or confront them?
3	Moral Dilemma: Completing quest requires action that conflicts with party values. Easy path is wrong path.
4	Unexpected Allies: Enemies offer to help. Genuine? Trap? They know things you don't. You need what they know.
5	Cursed: Something picked up during adventure is cursed. Effects worsen daily. Removing it may be harder than finding it.
6	Time Limit: Situation more urgent than believed. Days, not weeks. Hours, not days. Minutes, not hours.
7	False Information: Map is wrong. Contact lied. Research was incomplete. You're in wrong place or searching for wrong thing.
8	Personal Stakes: NPC in danger is connected to party member's past. Former friend, family, enemy, or love interest.
9	Witnesses: Party's actions are being observed and reported. By who? To whom? For what purpose? You don't know yet.
10	Competing Interests: Multiple factions want what you're after. Each offers different rewards, different threats. Choose wisely.
11	Unintended Consequences: Success triggers worse problem. Killing villain destabilizes region. Retrieving artifact awakens something. "You fools! You've doomed us all!"
12	It's Not Over: Victory was too easy. The REAL threat reveals itself now. What you fought was just the guardian/servant/test.

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