Afiróa

When life gives you a frozen, resourceless island, you get extremely good at rationing and accounting. Though bereft of natural resources save for the most basic seafood, seal fats, and edible coldwater algae, Afiróa excels at making what they have last as long as possible, and satisfy as much as possible. When entered into a partnership with Perásei's travel expertise and Rosforés's resources, it's no surprise that the inhabitants quickly fit into their economical niche and assumed the role of managing money and investment. The settlement was the first to establish a bank open to other kingdoms, and still has the most reliable currency exchange in the world due to the necessity of cold practicality in Afiróa.

Stats
Size large town (2001-5000)

Corruption +3, Crime +3, Economy +9, Law +1, Lore +0, Society -3, Loyalty -6, Stability -2, Danger +5

Qualities financial center, legendary marketplace, defensible

Base Value 2,800gp, Purchase Limit 14,000gp

Signatures [calculating equipment], [ledgers], [vaults], [scales]

Population 2,700 (20% aphorite, 15% ratfolk, 15% orc, 15% oread, 10% kobold, 10% drelman, 5% half-orc, 5% undine, 5% other)

Culture
Government oligarchy of quartermasters

Economy laissez-faire capitalism/corporatism as an international conglomerate/investment bank

Religion Kétar Mozog, Petya Naumov, Zhihao Jin

Military highly trained mercenary guards

Culture nothing goes uncalculated, nothing goes to waste. the smallest amount of resources you don't have is worth more than all that you do. gain = safety.

Trade Goods none

Magic moderate focal, low architectural, bardic cantrips

Cuisine shrimp, tuna, pollock, crab, seal, and algae, combined with imported herbs and spiced by imported chefs. low-quality ingredients made high-quality.