Bane: Once per day, the GM may select one skill for which you suffer a -3 penalty to all checks. The GM need not make this decision at the beginning of the day, and can wait until you have declared you are making a specific skill check. The penalty remains until you receive 8 hours of sleep.
Section 15: Copyright Notice
Christina Stiles Presents Ultimate Options – Minor and Major Drawbacks, © 2013, Christina Stiles; Authors Christina Stiles, Robert Hudson, Jr., and Mike Welham