“ A group of humans living in a mountainous area have spent generations mining, drinking home made liquor, and generally not spreading the gene pool around enough. The end result is a sub-race of humans who no longer have necks, rather their heads protrude from the upper portion of the torso between the shoulders. They have beards, and lacking the ability to turn their heads, can only see what they are directly facing. They are simple and to the point, and direct to the point of bluntness.”
“ What if the sources of precious metal in the realm all failed, so that the only sources for gold and other precious metal were hostile foreign lands? Gold coinage might become increasingly rare, resulting in hoarding. Player characters that appear with masses of treasure might be suspected of being in the pay of foreign powers.”