Character encounters ghosts and spirits in ruins.
Description needed
Any location that has a fortification but no pop center (most especially in Arthedain).
Hobbits can be encountered only in Arthedain, specifically hexes 1109 and 1209 (along with one or two others).
A non-aligned encounter, the character who gets it has a 50-50 chance of either being attacked or gifted with gems worth up to 25,000 gold. It seems entirely random any which way you look at it. This encounter isn't very dangerous unless the character involved has an extremely low challenge rank.