Four pages, meant to be printed and kept at the table. Everything here is also in the book - this is only the part you look up mid-roll. Generated from the same source the printed sheet uses.

20 Below at a Glance

Roll 2d10 under Element + Difficulty. Low is good.

2 - both dice showing 1 - is a critical success, whatever the target was.

20 - both showing 10 - is a catastrophic failure. The attempt fails, something else goes wrong on top of it, and in a fight you are Off Balance until the end of your next turn.

Difficulty		Something that hard
0	Nearly Impossible	Catch an arrow out of the air mid-flight
1	Extremely Hard	Pick a masterwork lock with no tools, blindfolded
2	Very Hard	Scale a sheer, rain-slicked cliff face
3	Hard	Convince a hostile guard captain to stand down
4	Challenging	Track a careful quarry through a rainstorm
5	Moderate	A tense but ordinary check under pressure
6	Fairly Easy	Pick a simple lock with the right tools
7	Easy	Climb a sturdy rope with knots tied in it
8	Very Easy	Recall a well-known fact in your field
9	Nearly Trivial	Walk a straight line on level ground
10	Trivial	Tie your own shoes

Advantage and Disadvantage

Advantage - roll 3d10, keep the lowest two

Disadvantage - roll 3d10, keep the highest two

Both are binary - three sources are worth one. They cancel one for one. Core roll only, never damage dice.

What Your Target Is Worth

Target	5	8	11	14	17
Succeeds	10%	28%	55%	79%	94%

One point of Difficulty is worth ~10 points of probability mid-curve, ~2 at the extremes.

Getting Around

Melee	Contact, to ~1m
Close	1-10m
Near	10-50m
Far	50m+

Movement Rate is 5 + Air in metres; you move in metres and the band follows. One move clears Melee into Close. A Normal action can spend both halves moving, for 2x.

Sprint - 5x Movement Rate, a Slow action, and the only thing you do that round. Ki can bump it to Normal (1) or Fast (2).

Weapon range - no penalty inside Normal, Disadvantage out to Long, no shot past it.

Training and Combat

Training Tiers

	Tier	The roll you make
0	Untrained	Difficulty only. No Element.
1	Trained	Element + Difficulty
2	Adept	Element + Difficulty, at Advantage
3	Expert	As Adept, and a 2 or 3 is a critical success
4	Master	As Expert, and a catastrophic failure gets one reroll, which can only soften it to an ordinary failure

In a Fight

The round

Roll Initiative, declare your Action Bracket, act in order. Fast goes first, Slow goes last.

Bracket	Actions
Fast	1	You go first, and that is all you do
Normal	2	A move and an attack, usually
Slow	1	You go last. One empowered action: Aim (Advantage), a Called Shot, Study a Target, and more

Spend 1 Ki per step to bump the Bracket you declared - Slow to Normal, or Normal to Fast.

Attacking

Step one - 2d10 under Element + Difficulty vs. their Defense. Roll low.

Step two - your Damage in d10, each die separately against their Wall. Roll high.

The Walls	Stops
Soak	Physical attacks
Presence	Social attacks
Psyche	Mental attacks

A critical hit sends half your dice through with no roll and no wall to beat, rounded up. The rest roll, and each adds your Klotho.

Ki Infusion - roll the damage dice first, then spend 1 Ki per die to add your matching sub-stat to that die. Ferocity for Physical, Presence for Social, Psyche for Mental.

Ki

Ki = your strongest Element + 8

Social Attacks

Defense differs by attack: 10-Atropos physical, 10-Psyche social, 10-Presence mental.

Moira never carries a Physical attack, but it carries a Social or a Mental one.

Same two steps as any attack. Element vs their Social Defense (10-Psyche) to land it, then dice one at a time vs their Presence, rolling high. Each connecting die costs a Poise. Ki Infusion adds your Presence.

The dice are your training in whatever Skill you are using.

0	Untrained	1 die
1	Trained	3
2	Adept	4
3	Expert	5
4	Master	6

The Skill picks the Element too. Fire carries Ridicule, Intimidation, Persuasion, Public Speaking, Performance and Leadership. Water carries Deception. Moira carries Insight.

Charm and Seduction are not attacks - they win someone over rather than take them apart.

Mental attacks need a Gift. There's no unarmed version - that's the rule, not a gap.

Conditions

Dying	Health below 0. Unconscious and out of the fight; only more damage makes it worse
Off Balance	Everything at Disadvantage until the end of your next turn. Doesn't stack
Distracted	Atropos + Difficulty to hold a Slow action together
Surprised	Everything at Disadvantage for the round
Flustered	Poise hit 0. Social rolls at Disadvantage for the scene
Humiliated	Poise below 0. You defer and comply
Overwhelmed	Sanity hit 0. Disadvantage on everything, plus a temporary Mental scar effect
Shattered	Sanity below 0. Panicky and babbling; you have to be led
Exhausted	Stacks 1-5: Disadvantage on Physical, then on all, then half Move and no Fast, then +1 per Ki spend, then out cold

Ki, Fate and At Zero

Ki

Ki = your strongest Element + 8

Fate Tokens

You gain one from
Nature	Playing to it when it costs you something
Flaws	Either side invoking one in a scene
Disadvantage	Taking it voluntarily on a roll
Sunrise	1 per day
Milestone	1 to every PC when the group clears a real hurdle
The GM	For good play, whenever they like

Spend one to
Overcome a Flaw	It doesn't apply for the rest of the scene
Automatic Success	One roll succeeds outright, no dice
Shrug Off an Effect	Clear a condition for a moment
Refill Ki	Your whole pool, right now
Get Back Up	Up at 1 Health Level, even while out cold

Hold at most (Stamina x 3) + 1. Make at most Stamina + 1 counted spends per Scene - a Kotodama, or burning off Corruption; the spends above don't count. A Token earned at the cap is lost.

Kotodama - assert a fact into the world. Cost is Magnitude + Range beyond yourself + Plausibility (Whisper 0, Murmur +1, Shout +3), and permanent is free.

At Zero and Below

Every Vital runs as far below zero as it runs above it.

	At 0	Below 0	At the bottom
Health	Unconscious	Dying	Dead
Poise	Flustered	Humiliated	Resets to 0, costs a Sanity
Sanity	Overwhelmed	Shattered	Resets to 0, temporary Mental scar effect

An unnamed NPC who reaches 0 is out of the fight and the story - dead or down is the GM's call.

Resting

	Short Rest	Full Night
Health	half your Health, round up	full
Poise	half your Presence, round up	full
Sanity	half your Psyche, round up	full
Ki	your Klotho	full

Below 0 the rates stop. Health gets nothing from a Short Rest and exactly one Level from a full night. Poise and Sanity go back to 1 on either rest, or for 1 Ki.