If you permanently lose a character, you can create one new character with bonus XP. Choose one of the following options:

• The new character has half the XP of the character you lost (ideal for low levels).
• The new character is 2 levels lower than the character you lost (minimum XP for that level).

This campaign setting has real risks, though our community values the time people invest into characters.

Exception
A GM who runs a locked region can alter this rule, for harsher or lighter.