Penny — A targetable Scrip combat unit that deals damage and can mint Stock when it activates. Selling it grants its normal Gold value and triggers applicable Penny-sale Dividend effects. Stock — A battle-scoped resource that Pennies can mint when they activate. Read by abilities or spent by a Hub's Settle. Resets after each battle. Markup — At battle start, each Markup resolves once in board order: left to right across each row, from top to bottom. Insurance — Each stack prevents up to 10 damage, then is lost. Subrogated Insurance deals it back.