Bad Luck I-III

Not every hero is born lucky. Some adventurers possess considerably less luck than their companions.
Rules: The hero starts the game with one less FtP per level of this disadvantage. The hero’s maximum number of FtP drops, too, by one point per level of this disadvantage. The hero’s total number of FtP cannot be reduced below 0.
Prerequisites: no advantage Luck
AP Value: -20 adventure points per level