Q20. Where is the nearest dragon or other monster with Type H treasure?

Coldsnap, (mature) adult white dragon, lairs in the peaks of the mountains near Fortune. It is rarely seen, perhaps preferring to hunt prey in the icy Unknown North. Perhaps the barbarian captain Voruun, who hails from that frozen land, has more information. Or Korg'tar Fleshrender and the Bloody Hand Orcs, who live further up the mountains.

Q19. Any legendary lost treasures I could be looking for?

This is just a list for now, lacking description. I was sick and will go back to fill it in.

Q18. What is there to eat around here?

As mentioned in Q13, the Long Pike Tavern in Fortune is known for its fish stew. Other randomly generated foods include brined faceless bongo (another fish dish), wyvern buns (baked buns stuffed with spicy, fermented chicken, usually wing meat), salt-preserved-lemon mooncake (intense tart lemon flavor), and tea-smoked star rabbit (roasted and smoked over dried tea leaves).

The Ghostly Minstrel offers dragon custard (each flavor is a different color; rumored but unlikely to be made from dragon's eggs), basil and cinnamon steamed pudding, arcane vegetables (each enchanted to taste like something entirely different, from bacon to petrichor), unicorn cones (multicolored corn tortillas twisted into a cone and filled with sweet or savory goodness), Great Dark ale bread, and tenderized shade spider legs.

Q17. Are there any secret societies with sinister agendas I could join and/or fight?

How about we do this list-style? Just a sample of such societies.

Q16. How about gladiatorial arenas complete with hard-won glory and fabulous cash prizes?

Not around Fortune. The Bloody Hand Orcs may pit prisoners against each other for entertainment. They may even jump into the fray against particularly strong or skilled combatants.

Q15. Are there any wars brewing I could go fight?

Two wars recently ended, planting the seeds for future conflict.

Q14. What monsters are terrorizing the countryside sufficiently that if I kill them I will become famous?

Wyndhaven does not bother with a countryside so I will answer for Fortune.

Q13. Which way to the nearest tavern?

Fortune is home to the Long Pike Pub and the Absent Bell Inn. The Long Pike is named for the fish, though the sign depicts one above a long spear, and is known for fish stew. The Absent Bell Inn is missing its bell. No one quite knows when it went missing (years/decades ago) but the empty belltower remains.

In Wyndhaven, adventurers often meet at the Ghostly Minstrel in Delver's Square. It is an inn, restaurant, and pub all in one.

Q12. Is there any place on the map where swords are illegal, magic is outlawed or any other notable hassles from Johnny Law?

Not really, at least in the default starting areas of Fortune (border town with a bandit problem and nearby dungeon) and Wyndhaven (vast city filled with crime and danger).

Aelonia is filled with do-gooder knights and adventurers; the default assumption among their populace is that armed and armored folks are there to help defeat the local monsters, not cause trouble.

Magic City Vane does not permit visitors to bear armor and weapons without licensure but, then again, anyone who can reach the city likely has less to fear from steel than magic.

The Duchy of the Black Hand is a fascist state that limits weapons to its authorized forces; armed outsiders are always considered threats. Trying to sneak into the Duchy under cover of the forest may lead you into conflict with the elves of Mahuul Maakh.

Q11. Where can I hire mercenaries?

Fortune has a number of former soldiers from the Free City Rebellion who are looking to continue their lives as sell-swords or hirelings for adventurers. They are more numerous than usual for a town of Fortune's size due to the bandits along the trade route (creating demand for additional caravan guards) and the proximity of the city ruins (drawing adventurers in need of hirelings).

Wyndhaven has its share of mercenaries, though they tend towards cruel scoundrels and humanoids (orcs, hobgoblins, etc.) who were worth their weight in gold to shed blood during the rebellion but outcast once more with the return of "polite" society. Wyndhaven has always been the most welcoming of the Free Cities when it comes to outcasts and villains. You can often find hired muscle competing in the gladiatorial arena to prove their abilities.

Unaffiliated bands of mercenaries also roam the Free City Region in search of work or turning to banditry, especially raiding the refugees fleeing to Aelonia or the Duchy. They make for easy pickings as their numbers are too great for Aelonia to settle and protect them all and the Duchy has no desire for them in the first place and jealously guard their border.

Q10. Where can I find an alchemist, sage, or other expert NPC?

From Fortune, you will need to head to Free City Valor find such experts, and there is no guarantee they will be interested in your question. You might get Lord Corben to dispatch a message on your behalf, which would be faster, save you the travel, and aid in getting their attention in the first place.

Q9. Is there a magic guild my MU belongs to or that I can join in order to get more spells?

Fortune is much too small to host any such guild. Your best bet is to venture into the city ruins and seek out Damon Rhiales, the necromancer. He may be willing to teach you new spells in exchange for money or favors.

In Wyndhaven, there are a number of independent spellcasters who might be swayed to share spells in exchange for money. There is also the secretive mage guild known as the Inverted Pyramid. Tracking them down and convincing them to let you join is sometimes a life-long endeavor but many of the most powerful wizards in the city are rumored to belong, with the notable exception of the Iron Mage.

Of course, the Academy of the Arcane Order in Magic City Vane is the number one location to find and learn spells. Their libraries are extensive and their faculty regularly invent new spells or variations of existing spells. One simply needs to fly up to the floating city, gain entrance through the magically secured gate, and somehow convince them to allow you access. Easy peasy.

Q8. Where can we go to get cures for the following conditions?

Where can we go to get cures for the following conditions: poison, disease, curse, level drain, lycanthropy, polymorph, alignment change, death, undeath?

Q7. Where can we go to get some magical healing?

Fortune is home to a temple of St. Cuthbert, one of the saints in Ro's church. St. Cuthbert is a strict, no-nonsense kind of demi-god and his followers believe in helping those who help themselves (give a man a fish and such). Father Tibault prefers to let adventurers heal naturally when possible (scars build character) but will use his magic when needed (haste, severity) or for a sufficient donation to the poor box.

Q6. Who is the richest person in the land?

You mean rich like in family and experiences?

Q5. Who is the greatest warrior in the land?

The greatest warrior near Fortune is probably the ogre chieftain of the Blood Hand tribe of orcs, Korg'Tar Fleshrender.

Q4. Who is the mightiest wizard in the land?

Near Fortune, the strongest known wizard is Damon Rhiales, the necromancer who took up residence in the city ruins. His nephew, Tam, still comes to town for supplies every tenday or so.

Q3. Where can we go to get platemail custom fitted for this monster I just befriended?

No one in Fortune can handle such a job. Your nearest bet is to head to Free City Valor and see if one of the armorers or barding specialists can accommodate the request. Of course, depending on the monster, you might not be able to enter the city in the first place. For those, Wyndhaven should be your destination. Though, for flying mounts, there is nowhere better than Magic City Vane, home of airborne cavalry.

There are several exotic armorers in Wyndhaven that can customize plate for your monster. Humanoid, beast-like, amorphous ... everything can be found for a price in the most cosmopolitan Free City.

Q2. Where can we go to buy standard equipment?

For questions like this, I will answer assuming a campaign centered on the Ruins of Trokair near Fortune and another centered in Wyndhaven.

Q1. What is the deal with my cleric's religion?

I am going to approach this mostly as "which gods are available" as you would need to know that before creating any details about the religion.