For those that live near the lochs, kelpies aren't unheard of, and are a potential danger to fishermen and sailors. They are the horses of the rivers and the sea, and there isn't much known about the specifics of their habits. However, it is known that they are fiercely territorial, to the point that it's a common misconception that kelpies activity hunt people to drown them, should they come close enough.

They are a strange creature, an earthly horse made aquatic — or more accurately, amphibious, as they can survive on the land for all that they favour the water. Common accounts tell of a malnourished-looking horse, with long legs and an arched body, the same colour as algae and murky waters. Watery plant-life can grow and cling in mane, tail and flanks in the same way algae does in the backs of jungle creatures, depending on how old the kelpie is. Gills in threes are set into its long neck, and fin-like protrusions grow from its legs, above delicate, bone-grey hooves.

The most remarkable thing about them is an adhesive skin that, when damp, and kelpies are almost always damp, seems to cling onto anything that struggles against it, and it's in this way they can take people down into the bottoms of rivers to drown them, should they make the mistake of invading their territory.

When not viciously aggravated, they behave like horses, although the ecosystem doesn't support large herds. If they aren't leading a solitary existence, they are in packs of two to four. They graze both on land and in the water, and more or less mind their own business when they aren't feeling threatened into defense. Their unusual nature and aggressive tendencies make them targets for ambitious poachers, who can sell their pelts for quite a lot of money once it's been dried and cleaned — you will never find something more waterproof than a treated kelpie pelt.