Just outside Druid Grove. After saving Nadira from the bugbear attack and talking to her, she gives me a coin. Dialogue launches again, I pick the same options, and she says she would have given me a coin, but someone must have picked her pocket.
Yeah, I had the same thing happen every time I get there so far. The dialog starts with my main custom character, and I get the coin. At that point the dialog starts with Shadowheart, and I just fumble around with the choices to see the different reactions at that point. My main character has the coin though.
