Pat:
I don't have Modern AGE yet, but I noticed they managed to put a spellcaster in the sample characters in the Quickstart.
The character creation of Modern AGE is
significantly different from Fantasy AGE.
At the very least I'd want players to have its Core Rulebook. I'd prefer they also have Modern AGE Companion, as that offers a lot of options, several of which are indispensable to me and it saves on me having to write extra threads to cue them in... I'll have to do some of that regardless.
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An 18-year-old is a teenager, and still young enough not to be entirely trusted by adults,
RPoL says they're old enough to be trusted as adults, so I'll be operating on the assumption that they're old enough to be trusted as adults as long as RPoL has an opinion on it. Those are the characters I'd prefer in my game either way.
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unable to call on official help.
That can occur without me having to call them teenagers for reasons I get into below.
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The story could start after high school graduation.
It occurs to me that a college fraternity/sorority
1 centered on paranormal research the college is secretly doing could be cool.
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I'm not sure what you're getting at with government agents or freelancers.
The people from Scooby Doo aren't paid by government agencies to do the work they do. They're freelancers. The people of say... Men in Black are explicitly paid by government agencies. Many paranormal investigation crews run somewhere in the middle. That idea I thought of where the local college has a frat/sorority could easily be somewhere in the middle. They get paid by the government because the government explicitly provides universities some club funding. But they're
definitely not an actual government agency. They'd also likely be freelancers on paper... that is if they did any paperwork. More likely they wouldn't necessarily even be considered freelancers. They'd just be some random club.
And if they get in a little over their heads,
maybe, some government agency actually catches wind of it, throws some hush money at them, and suddenly the university Physics department has an underground bunker..
Or maybe not. But you did pitch an idea where they're real monsters, so it's reasonable that some theoretical physicists might be helpful for closing portals, inventing stories and so forth. It's really up to the userbase which way we go on that.
I would want to set it in some BFN town. The one most familiar to me is a university town in Arkansas, but even then I would probably change some details.
1. Oddly when I was in college, the groups that accepted both male and female were required to be called sororities. I have no idea if this is even a thing any more, or if I just had it badly explained to me then.