"She sails up'n'down the Tristis River. All them river folk see her an' give her a wide berth. Superstitious lot, them river folk. 'Course, we adventurers kill of monstrous superstitions of the rich type on a daily basis! Who're we ta judge? So's anyways, she is said to only appear when the moon is full and the werewolves howl. And though she's ne'er violent, you can always 'ear a moanin' sound. I got no idea what's aboard that ship, but whate'er it is, I want nothin' to do with it."
-Old Gerald, man in the pub
"The shipyards, a good place to move illict cargo or lay low for a while, but that ship yard in Philly, it's not a place you want to frequent, not if you wish to keep yer skin on anyway."
A city location with a slight horror slant, suitable for any modern day horror/action setting.
As population increases, animal souls are promoted to human before they are spiritually advanced enough in terms of impulse control, etc.: this shouldn't have happened, but karmic progression is automatic, after all--it's a force of nature. But the 'animalization' of humankind bodes ill for civilization.
No doubt the same goes for elves, dwarves, and so on.