kastil backstory
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"You may inform him when you see him that I am interested in him as a witness to a wonder, not as a thief," he says, which is true, but he will go talk to Rathimus nonetheless.

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Rathimus is at least sixty and sitting with Kyado, the young cleric of Erastil who resembles a startled deer, in one of the larger tents. "Can I help you?"

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"Cicerone." He bows. "I am Inquisitor Castelloni of the Church of Iomedae. I wish to confidentially consult with the Church of Abadar regarding the situation in Kenabres. What is your fee?"

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"A hundred fifty pounds," he says immediately.

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Wow, that's a lot of money. Well, this is very valuable. "For how long a session?" (He suspects he'll have to pay anyway, but, Abadarians.)

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"Two hours, but it's not less if you only want an hour, because most of the expense for me is being suspected of being entangled in this nasty business at all."

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He nods. (Ettore has to actually think about this.) "Are there any other clerics of Abadar in Kenabres or with the Crusade?"

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"There are not. I was thinking of taking an apprentice, but then I ended up looking out for Kyado, and then events - intervened."

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"Thank you. Is there a smaller fee for purely financial consultations, or would that still leave your expenses where they are?"

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"That I'll do for ten."

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Castelloni will pay ten for the financial consultation, then!

And, once they're in private and he can't detect anyone invisible with an alignment, "I am presently trying to determine what, if any, financial resources Hulrun left me, whether or not any banks exist in Kenabres or in areas that can be reached from Kenabres, and what to do to turn my present highly unsteady and in many cases unethically sourced reserves of capital and sources of income into something more reliable, steady and ethical that can provide a steady stream of income to pay the salaries required to functionally protect Kenabres."

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"A difficult task," says Rathimus wearily. "Hulrun had an account with me. It was in his name, not in that of the Church, so I'd need his authorization to give it to you, or I'll need to consult his will, which he also filed with me, if he's dead and staying that way. I can't disclose anything else about the account without that, like whether it was a deposit or some interest-bearing investments.

There's no bank in Kenabres except me, you'd have to go down the river to Nerosyan. I'll offer loans, specific terms to be negotiated in more depth but as my current best guess of the broad terms - up to twenty thousand pounds, thirty percent interest a year, ten percent if Lastwall's guaranteeing it and I'll go up to two hundred thousand if Lastwall's guaranteeing it. I carry less than a tenth that in metal, it'd be letters of credit.

Hulrun was at times a recipient of the Church of Abadar's own contributions to the defense of the world from the Wound; those are offered by the Church of Abadar to the governments of Mendev, Lastwall, Cheliax, and Irrisen, and Mendev's share dispersed from Nerosyan, and I don't know how Nerosyan makes decisions about distributing it. Probably with a lot of politics."

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"I understand," he says. "He will be Raised, and I can get a report from Lastwall within a day." If he uses Sending, which he clearly needs to do, because this is at least a one percent chance of a seventy thousand gold crisis avertable with good information. "I will not need two hundred thousand and can get Lastwall's guarantee on any loan I need. How long will you remain capable of transacting business in Kenabres?"

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"My understanding is that the Crusade plans to march out in three days, and while I do not intend to be in their vanguard I would hesitate to be more than two days behind them. I am supplying them with magic items and scrolls, at Her Majesty Queen Galfrey's request."

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"Wholly reasonable." So he has three days to use sending and report back, maybe five. 

... He did, however, mean to deposit money in, not to withdraw it. He has funds; the question is if there's anywhere he can put them where they earn interest and are insured against theft.

(He'd also like to consult a priest of Abadar on the question of some of the Inquisition's money-making possibilities that could assist the defense of Kenabres; right now, his best ideas are spending spare minutes on his Zone of Truth spells verifying agreements (not quite as good as Abadar's Truthtelling, but he has an eye for it) and having some of the inquisition's staff set up a militia for nonevil nondemonworshippers (are there funders for that sort of benevolent project?) or providing combat training for a fee, similarly.)

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He is technically accepting deposits and will give in exchange a certification that he has the deposit, good at any bank of Abadar with the resources to verify it, but he doesn't expect there to be one of those convenient to Inquisitor Castelloni once he's gone. 

...it actually seems possible, if the Inquisition is looking to make money, that it should consider taking over the banking services that he'll be leaving undone in Kenabres. He's happy to describe what those are and how much he makes on them and how long they take and what the risks are. He isn't sure if people will trust the Iomedaen inquisition as much as the priesthood of Abadar, and diplomatically doesn't quite say they shouldn't, but they should at least trust the Iomedaen inquisition more than most people not selected by a god for their Law.

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That is fascinatingly tempting, and Ettore would be happy to suggest to the priesthood of Iomedae that it opens a bank, but he thinks that doing so himself would violate conflict of interest rules for the Inquisition in a way that running a militia and teaching self-defense classes in a city on the verge of being overrun by demons don't.

The basic problem with the inquisition's funding is that Mendev occasionally provides money and other than that it is expected to fund itself by voluntary donations and seizing the property of cultists and heretics, and there are obvious incentive problems, here; he doesn't object to the property of heretics being seized, but it obviously shouldn't go to the people who are in charge of the convictions. He's not sure if there's any way to launder that income to remove the incentive, but he figures a priest of Abadar might know if there is.

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This wins him his first actual smile. Rathimus has not considered the problem in depth before - Hulrun didn't consider it one - but there are probably possibilities. For one thing, he could create a sort of stock in 'heretic properties seized by the Inquisition', entitling bearers to a share, and sell that, so then everyone who owns it stands to gain financially from the inquisition capturing more heretics (but by a small amount in each individual case, and the inquisition benefits not at all if it's committed to issuing no more stock). He is not sure this is good justice but it's good finance.

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... Hmm. He has some worries about that - in the first case, it would be a lump-sum rather than a continual source of income, and the nearest bank is two hundred miles away through not particularly safe territory; in the second, he's worried about the expense of hiring honest bookkeepers required to keep track of the stock, and to make sure everyone who owns stock gets their share and nobody with a faked share or Disguise Self spell steals it.

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Stock companies do exist and solve those problems successfully, though admittedly mostly in Absalom not in the middle of nowhere. If he's expecting to be doing a lot of business he could probably attract another priest of Abadar to conduct it; the problem is that no one expects there to be a Kenabres in five years, so no one wants to go to the expense and trouble.

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Ettore believes that the Worldwound will not fall, and while it remains, there will be a place for Kenabres. He thinks that another priest of Abadar would still find a place here in a year, and is perfectly willing to tell Lastwall that himself.

(The question, which he does not say, is how much Iomedae will need to pay for the Worldwound not falling.)

And he believes a good deal of how stock companies solve this is, yes, that they are in Absalom, and he is not. But he's not sure that this program will succeed in this specific situation, and if they have additional time after the other matters are discussed, he would like to ask Vassily to use his remaining time thinking about this problem.

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He'd be happy to. Were there other matters first?

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Yes. Ettore would like to know what the possibilities look like for making the city's defense self-funding, or to finding sources of charitable contributions for it; with Terendelev and the Eagle Watch both leaving, he'd like to make sure the city can defend itself, and with limited resources he'd like an Abadarian's opinion on how to do that cheaply but efficiently.

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The fundamental problem here is that Mendev can't actually pay for the defense of the Worldwound at the willingness-to-pay of its citizens, even though that's quite high, because Mendev is very poor and the time of the kind of people needed to hold the Worldwound is pretty valuable. The world should really all be paying for the defense of the Worldwound, and then it'd be paid for comfortably, but as Castelloni knows this isn't the situation, and there isn't a clever solution within Mendev for that.

The city could have higher taxes, but its tax base was just largely looted and lit on fire, so it won't help much. The city could conscript all the ragamuffins and layabouts and criminal elements, but this has historically had disadvantages. 

People do donate to the Church. His impression is that the collections of the Church from its congregation amounted to substantially less than would be a fair salary for the Church's own staff, who are mostly paid only in food and board (Rathimus disapproves). The collections money mostly went to, and was insufficient for, funding the Eagle Watch, which was funded the rest of the way by anonymous private donations (through him, obviously, and no more will be said about the source or whether future donations will be forthcoming, obviously). 

Hulrun was pretty good at getting a large share of Nerosyan's money, and so the inquisition has historically not lacked that badly for funds. Realistically Kastil will also have to get good at that, though it'll be harder for him, as he's not Mendevian. Or he'll have to find a wealthy patron. Or he'll have to rebuild the city's tax base but without Terendelev that seems difficult. Were Rathimus himself in this situation he'd be at the point of praying to his god to be miraculously pointed to a nearby mineable gold deposit. 

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He will get his pay in Heaven. Ettore appreciates the warnings, but since he needs to try to do this anyway, he's more interested in the detailed questions he can use to try to protect the city anyway.

Who publicly donates to the church? Where do they live, can he track them down? Have they made statements as to why? Are there wealthy patrons who might be approachable? He's obviously not asking for secret or classified information, just the sort of nonclassified thing the Church of Abadar picks up. Who are the sort of people who Ettore might be able to go to who are in the general area who he can try to talk into pitching his case in Nerosyan on why they should give money to the Kenabres inquisition? Are there known people with martial skills or extreme probity who the Eagle Watch didn't employ for some reason (missing limbs, say) but who might be interested in taking poorly-paying-except-in-Heaven jobs with some well-reputed Iomedaean organization, even if not the Inquisition? Are there independent actors who defended the city below the radar of Terendelev, who aren't leaving on crusade, that he might be able to pitch on helping him?

... Has anyone ever succeeded in getting money out of Count Arendae or his steward for Saving The City purposes? Or for any useful purposes?

(He's hoping to leave the conversation with a stack of names to look into, or to delegate to his assistants that they look into.)

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