System-neutral one-page NPC.
Horbin’s life is gambling ever since he can remember. He plays any games and interested in anything if he can bet on it. When he loses (or simply doesn’t like the others around the table), he swears heavily. Once he made a pact with a fey in order to learn to force fate and to make him even luckier. However, he has a serious misunderstanding about his patron who boosts not his luck but his curses.
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