The zones
Coastal Waters (tier 1) — 45% monster chance, 25% treasure chance on a calm roll, 12-28 gold treasure. Shallow and safe-ish. Small teeth, small coin.
The Broken Reef (tier 2) — 55% monster chance, 25% treasure chance on a calm roll, 45-85 gold treasure. Wrecks and shoals. Things with tricks live here.
The Abyss (tier 3) — 65% monster chance, 25% treasure chance on a calm roll, 130-250 gold treasure. Black water. Great treasure. Greater appetites.
Spawn tables
Coastal Waters: Reef Shark (×2 weight), Young Serpent.
The Broken Reef: Diving Serpent, Shellback, Siren Spitter.
The Abyss: Kraken, Leviathan.
Starting out
Every career starts in Coastal Waters with 120 gold.