21. SWIM
DROWNING RULES
If a character has no Swim skill, drowning begins once a DEX and STA roll both fail, roll once every second up to STA in seconds.
Once drowning begins character must Save Vs Hitting or take 3D10 - (STA ÷ 10) P.O.D. to MIND every second when in water too deep for them. When MIND reaches 0 character dies.
Freezing or hot water does damage immediately to the character on contact, unless suitable clothing is worn. This damage is done to STA and STR DIRECTLY and therefore reduces the chance to succeed.