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You can't figure out how to light a fire without a lighter. Shivering with cold, all you can do is take shelter from the wind until your clothes are dry enough to dare put them back on. Meanwhile, you catch a cold.
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You lose 2 Endurance points and, dejected, you head to the Memorized number.
An anecdote to pass the time:
Rest assured: next time you dive into a river, I won't be so mean.