Characters are created with a points buy system for stats and skills, so you can make any investigator you like! You can also choose to buy a career for your character which comes with a group of skills as well as a "Career" skill which is only available to investigators with the career.
Characters are awarded more points on completion of an adventure to impove their investigator. They can spend these on new skills, improving their skills, or they can save the points to use in adventures for things like improving dice rolls.
When the investigator wishes to do something, they can use either a stat or a skill. The game master decides what the difficulty of the action is, and the character consults the Concordia table to cross reference their skill and the difficulty to find out what die to roll and what number they need to succeed.
Hand to Hand Combat
When an investigator wishes to attack something, they use a combat skill. The defender will defend using one of their combat skills. You then cross reference the attackers skill and the defenders skill on the Concordia table to find out what die to roll and what number you need to succeed.
If you succeed you roll the same die for damage, and subtract the amount from the enemy's hit points.
When firing a missile weapon, like a gun, the game master will use a number of guidelines to determine the difficulty of the shot between "automatic" and "impossible" the investigator will then use the Concordia table to determine what die to roll and what number they need to roll. If they succeed they use the same die to roll damage and deduct these from the enemy's hit points.
Like many other games, your investigator has a number of hit points, once they reach zero, you are dead. Simple.
What would a Horror game be without a fear system? In Concordia you use the Concordia table to determine what die to roll and what number you need to succeed. If you fail you lose "fear points". When your fear points reach zero your characterer either goes catatonic or runs away, either way there are out of commission for the rest of the adventure.
The setting of Concordia is bulit from the ground up to make getting characters into the adventure quick and easy. thus avoiding one of the biggest problems of Investigative Horror games.
There are a number of ways to get the characters invoived:
The Concordia Historical Society
All of the characters are members of the Society, whose main mission is to determine the truth behind the mysteries of the Island of Concordia and has existed for a number of years. Also provides a hom ebase, mentors and mission givers as well as material and financial support of equipment, money vehicles etc. The easiest way to get your characters started in the world of Concordia.
At least one of the characters has chosen the Private investigator career, and the rest can be private investigators as well or other support employees that work for the investigator, or are friends or contacts of the Private investigator. Most adventures will begin with a client coming to the investigator for help with a problem.
Every citizen is surrounded with the bizarre and strange. It is only natural to become curious about all of these things happening around them. The only difference between an investigator and a regular citizens is the willingness to question these things around them and the courage to seek out answers when the dangers in doing so are so great.
In this case all the players work for the same corporation, most likely in different roles but perhaps all in the same office or workplace.
They will, at some point, gather together and compare notes on the terrifying things happening around them. On discovering that they all have experienced similar things, they will work together to find out the secrets of Concordia.