As a quick side note, I just received Miskatonic and felt that I should give voice to my concurence with the general consensus here: the Bureau's "On the Case" ability is really quite spectacularly useless. It defies belief that this was considered balanced. I mean, I know the game is supposed to be brutal, but "On the Case" essentially qualifies as a sucker test.
Now, to the main issue: if you are reduced to 0 Sanity or Stamina in an encounter, do you complete the encuonter? To better illustrate the point, I will provide three examples from different sections of the spectrum.
First, a St. Erasmus's home encounter from Kingsport, one of many that follow the same template: "Danny Houghton, half dozing in his chair, begins to talk, muttering about the horrible creatures he's seen during his time at sea. Lose 1 Sanity and gain 1 Clue token." Now, it makes sense that these things would happen at the same time, based on the wording. Thus, even if you are reduced to 0 Sanity, you still gain the Clue.
Second, a St. Mary's Hospital encounter from the base game: "The corpse you are examining isn't quite dead yet. It reaches out and grabs you by the throat. Lose 1 Sanity. Then, you must fight the corpse. If you pass a Combat (-1) check, you defeat it and gain 1 Clue token. Otherwise, move to the street." This is similar, but it seems to me like it might work differently. The sanity loss and clue are clearly presented s two different items. Is this caused by the fact that the statements are seperated by "then," or by the fact that there is a check separating them? If it were worded as "Lose 1 Sanity and pass a Combat (-1) check to gain a Clue token," would that be different?
Third, a Congregationl Hospitral encounter from Kingsport: "You explore an ancient crypt in the cemetary and come across a giant mass of white grave worms. Lose 2 Sanity. In addition, any Crawling Ones in Arkham (including the Sky and the Outskirts) move here and encounter you." If we are following the belief that the entire encounter is resolved before you are carted off to the Asylum/Hospital, this encounter would seem to challenge that. Normally, a monster battle stops when you're reduced to 0 Sanity or Stamina; is this the only exception to the rule of finishing an encounter first?
Sorry this was so long-winded, but, in summary: if you are reduced to 0 Sanity or Stamina in an encounter, do you complete it? If the answer is not a simple yes or no, what is the determining factor? A check? A monster? The word "then?"
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