As not all of us have the rules I though it prudent to mention fate points. Each PC has some, they are what truly separates the hero from the inconsequential. What are they and what can you do with them?
A fate point is a measure of interest that fate, destiny, our story has in you being an active participant in the ongoing narrative. Spending a fate point keeps you in the game, figuratively and literally. It ensures not only that you don’t die immediately but that the chance remains to keep that a permanent arrangement.
Lets say you are fighting a gang of mutants and one with a lucky swipe of his razor edged claw gets a +10 critical on your head and decapitation is the result. But wait you have a fate point, by sending it you can ensure you are kept alive. This is more than just saying, OK the hit doesn’t connect, indeed this may just leave you having to spend yet another fate point to stay in the game after the next combat round. What actually happens is fate steps in and ensures you are kept alive, nothing more or less. So in this case the decapitation doesn’t happen, perhaps a non lethal but very bloody cut on the face leaves you sprawled on the floor looking very dead. Some hours later you come round, stripped of all equipment but alive, how you survive being wounded, alone and weapon less is up to you.