Gambling

Gambling is a new active skill, intelligence based.

To gamble you must decide on an amount of money to risk. This is considered the rating of the gamble.

Rating:
1-3 = $100*R Avail 5
4-6 = $1000*R Avail: 10
7-9 = $10,000*R Avail: 15
10-12 = $100,000*R Avail: 20

Once the rating is "purchased", make an opposed test using your gambling skill against the rating of the "gamble". Whoever has more net successes wins. If successful you get a 20% return on your money. For each net success beyond the first, increse this return by 10%.

Example: Bob has gambling 6. He purchases a 6 rating gamble which costs $6000. He rolls 6 dice against a TN ogf 6, and the "house" rolls 6 dice against a TN of 6 also.

House: 1, 3, 5, 7, 9, 10 (3 successes)
Bob: 2, 4, 7, 8, 8, 9 (4 successes)

Bob wins so he walks away with $9000 for a cost of $6000, or a $3000 increase. If he rolled one more success, he would have gotten a 60% return, or $3600 gain for $9600

Example 2: Bob has a gambling of 8. He has aptitude: gambling. He purchases a rating 12 gamble which costs $1.2 million dollars. He rolls 8 dice against TN 11 (12-1), and they roll 12 dice against TN 8.

House: 1, 1, 3, 4, 5, 7, 8, 8, 9, 11, 13, 18 (6 successes)
Bob: 4, 7, 8, 9, 9, 11, 13, 15 (2 successes)

Bob is out his money! But wait, he uses karma pool to reroll failures!

Bob: (15,13 kept), 4, 9, 10, 14, 16, 18 (now 5 successes)
He still loses.

As you can see, gambling is difficult, but can allow for money if you spend all your points on this. Gambling checks should only be allowed 1/month to prevent the campaign from quickly becoming a "gambling campaign".

Alternately, this might be role played where people roll opposed checks regardless of the amount wagered, at GM discresion.