You are out of quests. There are no more great villains to slay. You've cleared every cave you came across. You've purchased every available house, rehabilitated every beggar, and collected every trinket or artifact. You are a master of all trades, universally loved by the people of Tamriel as a hero. With nothing else left to do, you decide to go on a grand, permanent vacation across every province in search of some kind of adventure.
You're at the beach of Khenarthi's Roost, an island off the coast of Elsweyr, when you see a small ship that looks sort of like an insect approaching the shore, faster than any other one you've seen before!
The small ship quickly lands on the beach, its membranous sails folding. A small ramp drops from its chitinous hull, and out steps an elf with milky white eyes, long white hair, almost translucent pale blue skin...And gills on the sides of her neck?
"Greetings, groundwalker," she says. She's wearing an outfit you've never seen before that resembles underwear, along with some sort of glass and chitin armor. "Fear not, my intentions are peaceful. Are you of this continent?"
She holds her blue and gold staff, which has a totem of a sea serpent on top, in a nonthreatening manner over her shoulder.