Most coins are made of a few precious metals: copper, silver, gold, or platinum. A typical coin weighs 1/50 of a pound. Designs and size may vary from place to place. It is best to keep standardized values of the coins the same to speed game play.

10 copper pieces = 1 silver piece

10 silver pieces = 1 gold piece

5 silver pieces = 1 electrum piece

2 electrum pieces = 1 gold piece

10 gold pieces = 1 platinum piece

Coins in various areas may be of different sizes and ,denominations as well as having different mintages. However due to the influence of trade the above are considered standard values. Coins typically weigh 1/20th of a pound. Due to the rarity of metals, metal items generally cost 10-20 times the cost of their wooden counterparts.

Treasure and money is often kept in the less bulky form of jewels and jewelry. Special minerals or unusual gems may be found and values assigned at the discretion of the game master. These might include crystals that are always glowing, or always cold, or always hot, or having some other magical characteristic or property. Below is a list of the base values of many common gems. The values listed are for raw or rough cut stones of medium size. Larger gems are worth more. The value of cut gems may be 2 to 20 times higher than this base value. An unsuccessful attempt to cut the gems may reduce their values, rather than increasing them. Common jewelry values can be randomly determined by using the formula 4d6 x 100 gp value

Gem Value Table

Roll Value in GP

00-25         0- 10

26-50         10- 50

51-70         50- 100

71-80         100- 500

81-90         500- 1000

91-99         1000- 5000

00                 5000+

Values for Common Gems in Gold Pieces

Agate 10- 50

Amethyst 500- 1000

Amber 100- 500

Amber w/insect 1000- 5000

Coral, Black 50- 100

Coral, Crimson 10- 50

Diamond 1000- 5000

Emerald 2000- 6000

Garnet 100- 500

Jade, True 500- 1000

Jade, Green 100- 1000

Jasper 50- 100

Jet 100- 500

Lapis Lazuli 10- 50

Obsidian 0- 10

Onyx 0- 50

Opal 1000- 2000

Pearl 50- 100

Quartz, Clear 0- 10

Quartz, Smokey 10- 50

Quartz, Rose 50- 100

Ruby 2000- 6000

Sapphire 500- 1000

Topaz 500- 1000

Turquoise 50- 500

Of prime importance to the adventurers is treasure. Treasure may be in many forms including common items, coin, gems and jewelry, and Magic items. Care should be taken in placing treasure in an adventure so that there is not too much too easily gained, or too little that is too difficult to gather. Most intelligent individuals will have some items of value. However the Knarf world is a stratified society. Most people are very poor and have very little, while a very few have most of the money. Common soldiers may have a few copper pieces or a silver piece but will have little more. Veteran higher rank soldiers may have some treasure and weapons or armor gained in battle. Clearly the leaders of the city will have most of the treasure and magic items. This should be kept in mind when distributing treasure in an adventure.

Non-intelligent monsters usually will not collect treasure. Some may collect shinny objects which include treasure but will not recognize it as such. Another source of treasure found with non-intelligent creatures might be on the bodies of victims killed by the monster. These might be found in bone piles near the monsters lair.

Intelligent monsters often collect treasure. Dragons and Sphinxes are known for large treasure troves, and will typically include money, gems and jewelry, and magic items. Intelligent monsters are also the toughest to defeat. A general rule is that the older, bigger, and tougher the intelligent monster, the more treasure he has likely accumulated.