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(+2)

since the player was approaching it solo, and the bear's stress resistance was based off of the party, i ruled it was only one. (despite them having a party, but i let them not join the combat because player was being a reckless bear fighter)

(+2)

Completely reasonable! Bears are still super tough even without the resistance, and honestly a bear might drop its guard a little at a fisher trying to 1 v 1 it.