Hello there ..
I played my first Eldritch Horror yesterday and i had a blast !! .. It's for me one of the top games i have ever played all these years i am in this hobby .. ( yeah i know i am a bit impulsive but ...)
Anyway i wanted to ask two questions .
a) About the bank loan .. I am a bit confused how that play's , in my playthrough i did n't use this . From what i read , i understand that you take a loan to have two successes for the future tests you ll encounter in actions or encounters , is this right ? for example .. i take a loan as an action( aquire asset ), i take a debt condition , i use the debt's local action as a success to discard it and i have another success for an encounter , i am not sure if this is right and i ask ..
b) When a new investigator enter's play taking the place of a defeated one , and a starting asset-item-spell of his is in the inventory of another investigator , he take it or he enters play without it ..? That happened with the sailor that replaced a defeated inevstigator and his fish-net was in the reserve which i gave him outright but if this item was owned by someone else ?