A 4th of July Safety Tip from the Fighting Yank (plus a d20 Modern Talent Tree)

Listen to the wise words of the Fighting Yank. And remember, the phrases "Hey, watch this!" and "Hold my beer!" should never be uttered when you are setting off fireworks.

From Fighting Yank #29. Art by Mort Meskin

Here's a talent tree (designed by Steve Miller, from a suggestion by L.L. Hundal) that numerous people probably will wish could apply to real life come July 5. (Everything in this post past this sentence is Open Game Content. It may be reproduced under the terms of this license. Copyright Steve Miller 2014.)

TOO DUMB TO DIE TALENT TREE
This talent tree is available for Charismatic Heroes, Fast Heroes, Strong, Heroes, and Tough Heroes,or other classes that have access to their talent trees. Whenever the character may select talent, they may choose one from this tree instead of those featured in the rules for their class.
   Feel the Burn: Damage from acid electricity, and fire is reduced by 2d6 points after all other modifiers have been applied, to a mimimum of 1 point of damage.
   Prerequisite: Intelligence or Wisdom score 8 or less. If the hero should later increase the attribute score, they retain the benefit of this talent.
   Gravity-shmavity: Falling damage is reduced by 2d6+2 points after all other modfiers have been applied, to a minimum of 1 point of damage.
   Prerequisite: Intelligence or Wisdom score 8 or less. If the character should later increase the attribute score, they retain the benefit of this talent.
   Just Drive She Said: Impact damage suffered while in a crashing vehicle, or upon being hit by a vehicle, is halved after all other modifiers have been applied, to a minimum of 1 point of damage.
   Prerequisite: Intelligence or Wisdom score 8 or less. If the character should later increase the attribute score, they retain the benefit of this talent.
   That Blowed Up Real Good: Concussion damage and other damage suffered from explosions and devices or magical spells that cause area of effect damage is reduced by 2d6+2 points of damage after all other modifiers have been applied, to a minimum of 0. The reduction applies only to the hero with this talent,
   Prerequisite: Feel the Burn, Intelligence or Wisdom score 8 or less. If the character should later increase the attribute score, they retain the benefit of this talent.
   Watch This!: Whenever the hero fails a Acrobatics skill check, Climb skill check, Disable Device skill check, or Demolitions skill check, any damage he suffers is reduced by half before any other modifiers are applied.
   Prerequisite: One other talent from the Too Dumb to Die Talent Tree.