+1 Trait Point per X The character is particularly bad at something. Pick a skill that the character possesses, and choose something related to that skill the character would be considered incompetent in, just like you would choose a specialty. It must be something general enough that the character could conceivably be forced to roll at some point and must be a skill that the character has trained to at least +0, like Swimming for Athletics (the GM is the final arbiter of what qualifies as such). Whenever the character is forced to make a roll with the chosen skill that would be affected by the chosen Incompetence, gain a -10 penalty to said roll per X.