b'The Scarlet Jack \n'b'  Medium   undead ,  neutral  \n'b'  Armor Class  21 (natural armor)  Hit Points  260 (18d10+144)  Speed  0 ft., fly 120 ft.\n'b' STATS STR: 10 (+0) DEX:  16 (+3)  CON:  16 (+3)  INT:  12 (+1)  WIS:  14 (+2)  CHA:  15 (+2)  \n'b'\n'b'\n'b'\n'b'\n'b'\n'b'     Damage Immunities  acid, cold, fire, force, lightning, necrotic, thunder; bludgeoning, piercing, and slashing from nonmagical attacks  Condition Immunities   charmed ,  exhaustion ,  frightened ,  grappled ,  paralyzed ,  petrified ,  poisoned ,  prone ,  restrained ,  stunned   Senses   truesight  120 Ft., passive  Perception  18  Languages  telepathy 120 ft. \n'b' Challenge  21 (33,000 XP) \n'b' Special Traits \n'b'   Burning Beacon . The Jack innately knows where its quarry is, as per the spell  locate creature . \n'b'  Incorporeal Movement . The Jack can move through other creatures and objects as if they were  difficult terrain . \n'b'  Debt Paralysis . Any creature that starts its turn within 20 feet of it must make a DC 21  Wisdom  saving throw. On a failed save, the creature is paralysed until the start of its next turn. If a creature\xe2\x80\x99s saving throw is successful, the creature is immune to the Jack\xe2\x80\x99s Debt Paralysis for the next 24 hours. \n'b'  Actions \n'b'   Blood for Blood . If the Jack\xe2\x80\x99s quarry cannot pay the nightly amount owed, the quarry\xe2\x80\x99s allies can choose to voluntarily sacrifice their life force to  cover  the debt. The Jack absorbs one hit point per gold coin demanded from up to 4 humanoids within 30 feet; these  hit points  are permanently lost and nothing short of a  wish  spell can restore them. \n'b'  Red Harvest . The scarlet Jack targets one creature it can sense within 10 ft. of it. It reaches into the target\xe2\x80\x99s chest and pulls out it\xe2\x80\x99s glowing soul. The target must succeed on a DC 25  Constitution  saving throw or die. The Jack then transforms the soul into a blood-red coin, placing it on the scale to balance the debt. \n'b'  About \n'b' An ethereal blood red  skeleton  in a tattered and billowing crimson robe. \n'b' The Jack is a manifestation of the red debt, the ancient pact formed when an oath taken in blood is broken. \n'b' The Jack demands payment: one gold piece on the first night, two on the second, and so on, doubling every night. Once its quarry has been marked, only gold or death will stop it. \n'b' Pay the Jack your toll or it will claim your soul in forfeit.'