You slip into the river and break the surface again, half-drowned struggling for breath. Dragged out by helpful onlookers, you quickly realise you are coming down with something as exotic as it is unpleasant.
You spend the next 1d3+1 days laid up in your lodgings, unable to leave your bed. During this time you may not perform any Settlement Activities (like visiting a Trader) and do not generate Settlement Events. You must still pay living expenses in this time, and once recovered you must pay the physician 1d6 x 25 x (Title*) Gold or leave town immediately.
*Battle Leve 1 = 1, BL 2-4 = 2, BL 5-8 = 3, BL 9-10 = 4, corresponding to the titles Novice, Champion, Hero and Lord.