This card is pretty insane, as you get to staple the effect of any level 0 asset or event to a successful skill test at no cost, along with an unexpected courage to help you with that test. As of printing, here's the valid users - Sefina Rousseau, Zoey Samaras, Father Mateo, Sister Mary, Luke Robinson, Lucius Galloway, Agnes Baker, Akachi Onyele, Marie Lambeau, Dexter Drake
Here's a list of some of the generically powerful things you can do with it, even without specific scenario/card combo interactions. "At no cost" is an insane line of text that makes it very powerful with any of the doubles from Hemlock Vale. This is just my list that I threw together, I'm sure there are other respectable cards and some that are particularly strong given specific scenarios/situations. To me the thing that makes this card sing is its sheer versatility - almost any of the below effects are very strong, and you get to choose the best one for any given situation.
Gain 8 Resources for investigators at your location: Bank Job (Hot Streak is 4xp and nets you 7 resources)
Draw 5 Cards for investigators at your location: Thorough Inquiry (All In is also 5xp, but Memories doesn't have the weakness clause)
Get an automatically successful +1 damage fight(You don't take the attack, as the enemy attack is a cost): Toe to Toe
Take an extra action every turn for the rest of the scenario: Leo De Luca
Discover 2 clues: Extensive Research
Move, discover a clue, and activate an asset (can also be given to other investigators at your location): Task Force
Deal 3 damage to each enemy (and investigator) at your location or a connecting location: Dynamite Blast
Automatically evade or deal 1 damage to all non-elite enemies at your location and connecting locations: Elaborate Distraction
Evade all enemies at your location (including elites): Cunning Distraction
Move up to 3 times without engaging enemies: Scout Ahead
Get a generically powerful yellow card: Dr. Milan Christopher
Get a generically powerful green card: Lucky Cigarette Case
And some situationally useful ones:
Gain 3 slotless horror soak for your team: Something Worth Fighting For
Gain 3 slotless health soak for your team: True Grit
Resign: "I'm outta here!"
Gain 3 supplies or ammo for assets you control: Cleaning Kit, or with soak if you have an ally slot: Venturer
Double the ammo or supplies on an asset you control: Contraband
Turn your events into skills(with no weakness, again, additional cost is removed): Crystallizer of Dreams
Grab a clue and find an enemy to kill: Kicking the Hornet's Nest
Discard a Terror treachery from an allied threat area (as long as you have at least 1 clue): Logical Reasoning
Grab any one of the masks: Cat, Fox, Mouse, Sparrow, Wolf
Trade resources, items and allies: Teamwork