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'''Riding:''' Characters with the Riding Proficiency get a +2 bonus to any Reflex saves against being involuntarily unhorsed.
 
'''Riding:''' Characters with the Riding Proficiency get a +2 bonus to any Reflex saves against being involuntarily unhorsed.
  
==Retainers and Followers==
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==Salaries and Wages==
  
 
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'''Monthly Pay by Level'''
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'''Retainer Monthly Pay by Level'''
 
{| {{table}}
 
{| {{table}}
 
| align="center" style="background:#f0f0f0;"|'''Level'''
 
| align="center" style="background:#f0f0f0;"|'''Level'''
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This pay scale is for Hero-class retainers. Henchmen class NPCs will work for half price.
 
This pay scale is for Hero-class retainers. Henchmen class NPCs will work for half price.
 
===Loyalty===
 
 
Retainers and followers interact with the loyalty rules in mostly the same way. The main differences are that retainers are limited in number and followers are not hired but offer their services unbidden and do not earn windfall income as retainers do. Spouses are a special category in that they act as retainers (an thus must be given windfall income) but they do not count against the maximum number of retaienrs a PC can have. Essentially there is a bonus retainer slot that can only be used for a spouse.
 
 
'''Followers'''
 
 
The following additional factors count as Calamities for followers in addition to all those that apply to retainers.
 
*Going on Campaign: Each time the followers are asked to join a military campaign is a Calamity as well as each season they are away from home. Once on campaign they must be awarded spoils as per soldiers or that is an additional Calamity.
 
*Moving base: whenever the Followers are moved from one county to be based in another this is a Calamity.
 
 
'''Spouses'''
 
 
A spouse is not paid a salary but the PC is required to pay the spouse's upkeep which is always the same as their own. Failure to pay this upkeep is a Calamity and there is no grace period as there is with retainers and followers.
 
*Lack of favor: the spouse must be more favored than any concubines or other lovers. If the combined upkeep of these people equals or exceeds that of the spouse it is a Calamity for the spouse. This also applies to gifts over and above upkeep. The value of gifts must always be less that that of  gifts given to the spouse. For each season this continues another Calamity is gained. If any single other lover's upkeep or gifts equals that of the spouse it is a calamity each month this occurs.
 
*Other children: Every child of the PC who is not the spouse's child is a Calamity.
 
 
There is an upside to this though as each child the PC and spouse have together increases the spouse's loyalty by 1 automatically. If that child is named the official heir the loyalty increases by an additional 1.
 
 
The following additional factors count as Calamities for spouses in addition to all those that apply to retainers.
 
  
 
===Investments===
 
===Investments===

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