SOCIAL DISADVANTAGES
        Odious Personal Habits          -5, -10, -15 Pts
        Poverty                         Variable
        Primitive                       -5 Pts per tech level
        Reputation                      Variable
        Social Stigma                   -5, -10 -15 Pts
        Status                          Variable

PHYSICAL DISADVANTAGES
        Age                             -3 Pts Per Year Over 50
        Albinism                        -10 Pts
        Bad Sight                       -10/-25 Pts
        Blindness                       -50 Pts
        Color Blindness                 -10 Pts
        Deafness                        -20 Pts
        Dwarfism                        -15 Pts
        Epilepsy                        -30 Pts
        Eunuch                          -5 Pts
        Fat                             -10/-20 Pts
        Gigantism                       -10 Pts
        Hard of Hearing                 -10 Pts
        Hemophilia                      -30 Pts
        Lame                            -15, -25, or -35 Pts
        Low Pain Threshold              -10 Pts
        Mute                            -25 Pts
        No Sense of Smell/Taste         -5 Pts
        One Arm                         -20 Pts
        One Eye                         -15 Pts
        One Hand                        -15 Pts
        One Leg                         See "Lame" P29
        Overweight                      -5 Pts
        Skinny                          -5 Pts
        Stuttering                      -10 Pts
        Youth                           -2 or -6 Pts

MENTAL DISADVANTAGES
        Bad Temper                      -10 Pts
        Berserk                         -15 Pts
        Bloodlust                       -10 Pts
        Bully                           -10 Pts
        Code of Honor                   -5 to -15 Pts
        Combat Paralysis                -15 Pts
        Compulsive Behavior             -5 to -15 Pts
        Compulsive Lying                -15 Pts
        Cowardice                       -10 Pts
        Delusions                       -1, -5, -10 or -15 Pts
        Dyslexia                        -5 or -15 Pts
        Fanaticism                      -15 Pts
        Gluttony                        -5 Pts
        Greed                           -5 Pts
        Gullibility                     -10 Pts
        Honesty                         -10 Pts
        Illiteracy                      0 or -10 Pts
        Impulsiveness                   -10 Pts
        Intolerance                     -5/-10 Pts
        Jealousy                        -10 Pts
        Kleptomania                     -15 Pts
        Laziness                        -10 Pts
        Lecherousness                   -15 Pts
        Megalomania                     -10 Pts
        Miserliness                     -10 Pts
        Overconfidence                  -10 Pts
        Pacifism                        -15 or -30 Pts
        Paranoia                        -10 Pts
        Phobias                         Variable
        Pyromania                       -5 Pts
        Sadism                          -15 Pts
        Shyness                         -5, -10, -15 Pts
        Split Personality               -10 or -15 Pts
        Stubbornness                    -5 Pts
        Truthfulness                    -5 Pts
        Unluckiness                     -10 Pts
        Vow                             -1 to -15 Pts
        Weak Will                       -8 Pts/Level