Freezing Water (PSR Supplement)
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Freezing water is a common hazard found often in extreme cold, especially at sea.
While you are submerged in water near freezing temperatures, you are Soaked, and at the end of each phase you take 1d6 cold damage. Any cold damage you take otherwise is maximized.
Any creature with resistance or immunity to cold damage is unaffected, as does any creature with a swim speed acclimated to extreme cold.