Two numbers share one decision
Haul is the loot a revealed card adds to your bag. Heat is the amount it adds to the shared alarm. Your crew is chosen before the Job, then shuffled for each vault, so you cannot reserve the loud card for a convenient moment.
That timing makes card selection interesting. You are choosing what may appear, not the order in which to deploy a hand. Every card needs to be understood as an early reveal, a late reveal and a possible missing role.
Three actual Brains cards
| Card | Haul | Heat | At alarm 15 |
|---|---|---|---|
| #013 Mei “Static” Lin | $3K | 1 | Reaches 16 |
| #005 Oksana Hrytsenko | $5K | 2 | Reaches 17 |
| #029 Dr. Ximena Arroyo | $9K | 4 | Reaches 19 and busts |
All three fill a Brains slot. Static adds less to both sides of the equation. Oksana sits between them. Dr. Arroyo builds a much larger bag if she arrives when the alarm has room, but she is dangerous later.
At alarm 10, all three ordinary card outcomes fit. At 17, only Static fits. The card did not change; the space available did. A card's grade and art variant do not alter any of these results.
Why the ratio is only a clue
Dividing Haul by Heat can help you compare cards, but it compresses a lot of information. A card with an attractive ratio can still overflow the meter. A small payout can still be exactly what you need to beat a finished rival.
In a different card-game context, Reid Duke's discussion of competing resources explains why fixed exchange rates miss changing positions. Here, one alarm bar is especially valuable when it is the last bar that keeps the next card legal.
Consider a final vault where you need $2K more to overtake a banked rival. Static's $3K is enough if you can survive and leave. Dr. Arroyo's larger Haul gives no extra match win, and her Heat can remove the route entirely. In an early vault with an empty bag, the tradeoff may look very different.
The role can change the payout
If you have already revealed Muscle, Wheels and Face, any Brains card completes Full Crew. Banking then doubles the entire bag. A quiet Brains card can therefore contribute much more than its printed Haul suggests.
For an illustrative position, take a $15K bag with those three roles. Static would make $18K and complete the set, allowing a $36K bank if you get the chance to leave. The extra value comes from the role set and existing bag, not a secret ability on Static.
Do not count that $36K before the card arrives. The next reveal can be a different role or the Tripwire, and an active rival can still end the vault before your next turn.
Build around the range you bring
When editing a crew, inspect the distribution rather than selecting twelve cards independently. A list with several Heat 4 cards creates a different set of late-vault risks from one whose highest Heat is 3. Both can be legal under the spread rule.
You need twelve distinct cards, at least three Heat values and at most seven cards at a single Heat. Keeping those limits visible prevents a sensible one-card substitution from accidentally making the crew illegal.
After playing, ask which decision the card created. Did it make a small bag useful quickly? Did it leave you with too little room? Did its role matter? That review is more informative than labeling every card in a lost vault “bad.” For complete legal lists to compare, continue to three crew examples.