>>>One nice consequence is
>>>that it cancels the -5 for being an Initiate.
>
>>That is one thing it definitely does not do. The improv penalty is
>to
>>the ability, the contact reduction is of the resistance. Totally
>>different values.
>
>The improv penality is also supposed to be -3, not -5.
That's a matter of dispute. :-)
I feel that the standard penalty might as well be -5, seeing as small modifications have very little practical effect.
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