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Luck is a Merit that comes in two forms (in this Game), a One Point and a Three Point. The Single Point version of it allows you to retest any single action over the course of one whole Game. This Retest (which is what Luck is, an extra Retest) comes after the Initial Challenge, but may come before Might, your Ability Retest, or even Ancesstors, if you so choose. Most people, however, use it as their last resort, after all other options have been used. This is usually the same moment in which their character may die because of the results of this throw.
The Three Point Version allows you to a free Retest, Once a Scene throughout Game. Once again, just as above, it allows you to use it as a Retest after to your Initial Challenge. The benifit here is much as it allows you a somewhat replenishable Retest throughout the cource of the entire Game, so long as Game is not one long scene (like, for example, a Caern Creation Game).
You only ever end up with Lucky with Storyteller disgression, and generally that will only happen at Character Creation. Policing over the Merit is something we've only had to rarely do in the past, but is something we will do again at any time that the ST's think a Player may end up abusing it.
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Of final note, Luck can be used for a three-out-of-three test, but only for the purposes of rethrowing. It does not allow you to redo the Initial Challenge if you have already thrown the results of the three-out-of-three test, but it can allow you to redo the three-out-of-three itself.
Thomas Ivanov, now Athro, is taking part in the Rite which will Recreate the Sept of the Bitten Tongue at a higher level than it was before. Early on in the battle, a Black Spiral Dancer comes at him from behind with a Long Sword, slashing into his side. His Player doesn't think much of this—even though it is a Surprise Attack—and throws the Initital Challenge. Thomas looses his first Quick when he tries to Dodge to the side. Then, he looses his Dodge Retest. He throws Might, finally, and looses on that test as well. His mun thinks this is all fine and good, and throws for the three-out-of-three to see if he takes a heavy hit to the side. It turns out, he looses all three throws. The ST informs him that, unfortunately, a three-out-of-three loss means that he gets chopped in half and that it will kill him. His Player looks at the NPC with a look of shock and says "Luck!".
Now, in the above example the Challenge has already been thrown. Luck will not allow a rethrowing of the Initial Challenge, but it will effectively Reset the three-out-of-three. The connection of the sword, and thus the damage, will occur regardless of the new result... but being able to rethrow the three-out-of-three will give the Player a chance to at least not have his character straight-up die from the six-loss streak of thows he just had. After all, he'd been at Full Health before the attack.
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