“ Surnames: Most surnames fall into one of four categories. Patronymic surnames such as Johnson pass from father to son (literally, 'Son of John'). Occupational surnames such as Cook or Miller stem from an individual's livelihood. Topographic names such as Forest or Ford identify habitation. There are also a few surnames that derive from individual characteristics or nicknames...Small and Stern for example.”
“ Five men are herding fifteen horses down the road. They won't be very talkative, but are willing to sell a horse, or more horses if the heroes are interested. These men are horse thieves. They are already sought by regional militiamen. Anyone with a stolen horse (all are marked) may get into trouble. If found guilty, horse thieves face prison or even a hanging execution. Similar thefts have happened only a month before, and a reward is offered.”
“ The player characters, experienced and somewhat well known, hear rumors and travelers' tales about a distant area being overrun by dragons (or other terrifying monstrosities). The locals have sent them a message, begging for heroic aid.
When they investigate, they discover that nothing of the sort is going on. It turns out that a group of thieves wanted them out of the way so that they could rob them (or someone who would normally receive their protection).”