With regard to the plot "Sleeping Mines of Elathon":
You manage to get the water wheel in the mine working which operates a pump to clear the flooded lower levels. As you explore the dank tunnels of the lower galleries, you can hear the creaking of the wheel above. You enter a low-ceilinged passage and are crawling on your backs, when the creaking stops. The water starts seeping wetly around the back of your head...
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?