[quote=@Penny]
I'd like everyone to use 1 debt to create an NPC. This person need not be a friend, but they should be immersed in the local power structure
[/quote]

Kendra has two roommates, and I'm thinking about using this debt on one of them "You are helping someone realize their true potential through your visions. They owe you a debt." I also have an idea about this specific NPC that might tie into Grace's backstory, if [@Guardian Angel Haruki] would be okay with that.