The Fortune Deck is sort of like a Tarot deck; it has upright and reversed meanings for cards and the like. The Deck is important for three things: first, picking three cards out of it is the end of the character generation process, and the bit that I haven't explained to anyone, because it's a bitch. Second: character development has to do with these cards, in a somewhat sidelong way. Third: if there's a situation that needs to be resolved and I don't feel like making an arbitrary decision about the competence of the characters or their success level, I'll draw a card and narrate on the basis of what's there.
First, character generation. Characters each have a Virtue, a Fault, and a Fate, each of which is represented by a card. Your Virtue can be a personal trait, a magical gift, an aspect of fortune; in any case, it's something that your character is particularly good at in some way. Likewise, a Fault can be a trait, a curse, or just a persistent streak of bad luck. These are, in significant part, characterisation tools.
Your Fate is essentially your major plot hook: what is your character's immediate personal challenge at this point in time? If you imagine your character going through stages of life, what satori or revelation would indicate having completed this stage and being ready for the next? A Fate card is neither upright nor reversed: you don't know whether it'll be a good resolution or a bad resolution until you get there.
For an example of Virtue/Fault/Fate, see the end of the example character I made up a while back, or the brief explanation of how it interacts in the city of Everway, presuming I get that written.
In play: I will draw cards not often, but occasionally, if I find it appropriate. If I draw your character's Virtue to arbitrate an answer to one of your actions, that indicates an extraordinary success; if I draw your character's Fault, that indicates a particularly unfortunate result. If I draw your character's Fate, that brings about a confrontation between character and that character's inner growth question, and we'll see how that turns out in practice.
The cards themselves:
| Card | Upright Meaning | Reversed Meaning |
|---|---|---|
| Autumn | Plenty | Want |
| The Cockatrice | Corruption | Recovery |
| The Creator | Nurture | Abandonment |
| Death | Change | Stasis |
| The Defender | Safety | Peril |
| The Soldier | Duty | Blind Obedience |
| The Lion | The Body Prevails | Weakness |
| Drowning in Armour | Protective Measures turn Dangerous | True Prudence |
| The Eagle | The Mind Prevails | Thoughtlessness |
| Fearing Shadows | Unnecessary Fear | Recognising Safety |
| Fertility | Growth | Decline |
| The Fish | The Soul Prevails | Shallowness |
| The Phoenix | Rebirth | Destruction |
| Nature | Life Energy | Energy Sapped |
| Spring | New Growth | Stagnation |
| The Satyr | Indulgence | Moderation |
| The Priestess | Understanding Mysteries | Impracticality |
| Summer | Energy | Exhaustion |
| Inspiration | Creativity | Lack of Imagination |
| The Fool | Freedom | Lack of Connection |
| The Peasant | Simple Strength | Lack of Vision |
| Sowing Stones | Fruitless Labor | Ceasing Fruitless Labor |
| The King | Authority | Tyrrany |
| Trickery | Deceit | Subterfuge Revealed |
| The Hermit | Wisdom | Isolation |
| Striking the Dragon's Tail | Underestimating the Challenge | Recognising the Larger Problem |
| The Smith | Productivity | Evil Effort |
| The Unicorn | Purity | Temptation |
| Overlooking the Diamond | Failing to See Opportunity | Recognising Opportunity |
| Winter | Maturity | Inexperience |
| War | Great Effort | Wasted Effort |
| Knowledge | Truth | Falsehood |
| The Gryphon | Valor | Cowardice |
| The Dragon | Cunning | Blind Fury |
| Law | Order | Treachery |
| The Usurper | -- | -- |