When the great ice-sheets covered the north, life retreated before them, but some species stayed and endured. Whilst man huddled around fires in his caves, mighty beasts roamed the tundra: the Woolly Mammoth, the Woolly Rhinoceros…and the Woolly Wyvern.
As the PCs cross a brigde/tree over a deep river they see the glimmer of gold and jewels lying at the bottom. At further inspection they notice that it is the skeleton of a man still holding on to a sack of treasure. Will the PCs try to dive to get it? What killed the man? Did he simly not let go of the bag he could not swim to the surface with? What cleansed his bones so? Are there flesh-eating beings that dwell in the deep? Can the players resist the chanse of being wealthy for once?