Luck runs dry
Akler the fighter stumbled down the alley, knowing that something was wrong. Everything had started to go wrong ever since that wizard caught him cheating at dice. His bolt-hole had been raided by the constables, pickpockets had stolen his magical daggers and now he felt that he was being followed. The twisting alley came to a dead end. A pair of scrawny, short, rough looking thugs revealed themselves. In a moment they transformed into beady eyed humanoid rats, sneering evilly.
“Wererats!,” Akler exclaimed, drawing his nicked short sword.
Luck runs dry (Arcane)
Range: 30 feet
Duration: 24 hours
This spells gives the magic-user the ability to curse one individual or creature, making them very, very unlucky for a day. In addition to having a -1 on all Saving Throws (there are no bonuses to Saving Throws, all begin at the base number and subtract one) the victim attracts all forms of misfortune: finding traps the hard way, losing games of chance, and attracting a stream of thieves, snake-oil salesmen, and wandering monsters. No one circumstance should be fatal, just extremely annoying.