Heroes of Midhgardhur
Hamingja is the Northern conception of “luck” as a personal attribute. It allows a hero to perform mighty deeds and accomplish things that one might not normally be able to accomplish. For purposes of the Midhgardhur setting, hamingja is identical to the “Hero Points” introduced in the Advanced Player’s Guide.
Unlike the Hero Points of the Advanced Player’s Guide, however, hamingja is believed to be a force that one can “lend” to others and pass on through family lines to one’s offspring. Whether or not there is any truth to these beliefs is not currently known for certain.
Just like standard hero points, hamingja is a characteristic of player characters, not NPCs (although certain feats or other unusual circumstances could bestow hamingja on an NPC). No character can have more than 3 points of hamingja at any given time; any points accrued over 3 are simply lost.