Mundane Drawbacks


Variable Point Drawback(1 point/level)

Drugs in the game are like drugs in real life, dangerous. Whenever an addict is unable to get their fix they suffer the rank of the addiction as a penalty to any Mental tasks. More powerful drugs also have a physical side effect imposing a -3 penalty on Physical actions.

Overcoming addiction is not an easy thing either ICly or OOCly. It's more than just saving up the character points to buy off the drawback. Resisting the cravings of addiction requires daily Willpower Tests. Once a character has accumulated 10 success levels in succession from successful Willpower Tests one character may be spent to reduce the strength of the addiction by one point. For Willpower Tests up to the characters Willpower these test are Simple. For each one after that the tests are Difficult. All Tests suffer a penalty equal to the level of the addiction plus an additional -1 to -4 depending on the strength of the drug and its availability(tobacco is so addictive and available that it suffers a minimum -4 penalty).

Another 10 success levels in succession are needed for the next point and so on until the Drawback is eliminated. If any Test is failed during the course of accumulating the 10 Success Levels all Success Levels are lost and the process must begin again.

In general, a rough guideline for costs follows:

Habitual Drinking, Smoking, or Caffeine Addiction: 1 pt.
Heavy drinking or smoking, light use cannabis: 2 pts.
Heavy use of cannabis: 3 pts.
Habitual use of opium, laudanum and cocaine: 4 pts.
Heavy use of opium, laudanum and cocaine: 5 pts.
Heavy use of heroin: 6 pts.


Variable Level Drawback(1 point/level)

Someone wants you dead. Possibly a group of people want you dead. The more powerful the adversary the higher the points cost for the drawback.

Level 1 A lone person. A normal person or a standard street thug.
Level 2 A gang of thugs. A fledgling vampire.
Level 3 A lone Green Beret. The local Police Department. A pack of werewolves.
Level 4 Local branch of the Church of Revelation.
Level 5 A sect of CIA operatives. An an ancient and powerful vampire lord.

In theory this drawback goes all the way up to rank 10. Ranks above 6, however, represent truly massive and intimidating adversaries. Odin actively wanting you dead may be a 6 while The Forces of Hell would be a full on 10. While players are limited to rank 5 in character generation players could still take Odin or Hell as adversaries(or other similar threats) their frequency or attention to your character would just be lowered to match the appropriate level of the drawback.

Note: Like all drawbacks these aren't free points. When you take the Adversary drawback keep in mind that it's entirely possible that staff creates NPCs or works with players on PCs who fit this drawback. If you take the Church of Revelations on any level this is almost a guarantee. Don't get us wrong this could make for some fantastic RP but if you're not interested in staff actively creating plots that involve your character either avoid this drawback or choose the source of the adversary carefully.

Bad Luck

Variable Level Drawback (1 point/level)

Although the basis of this drawback is obviously fairly supernatural, even a mundane character can have it.

In UniSystem tabletop, it typically has one apply -1s to dice-rolls, spreading the levels of Bad Luck one bought throughout a given session (EG: With Bad Luck:4, in one session it might kick in as -4 to one roll, -2 to two rolls, -1 to four rolls, or whatever), based on the whim of the person running the game. Since the MU* medium isn't the best for working out what a 'session' is, and I doubt anyone wants staff to just jump in all the time, one instead has a <Luck>-in-10 chance of a -1, whenever one +rolls dice (so with Bad Luck:4, you have a 40% chance of a -1).


1 Point Drawback

Clowns refuse to take things seriously. Life is one big joke to them. They're known for cracking jokes and making wise even in the most inappropriate of situations. Whether it's just obliviousness to social norms, overcompensating for some deep emotional insecurity or whatever other reason these characters just cannot keep their mouths shut, even when they know the joke will only work against them.

NOTE: While this drawback offers not actual game penalties we do expect that you'll RP appropriately.


Variable Point Drawback(1 to 3 points)

A covetous character wants certain things and is prepared to go to great lengths to get them. While they generally stay within the confines of the law if the drawback is strong enough and the opportunity presents itself it may be too much to pass up.

When choosing this drawback you must first define it with one of four different types: Greed(money and wealth), Lechery(sexually attractive people), Ambition(power and influence) and Conspicuousness(fame and renown). It's possible to have more than just one version of this drawback, only one may have a rank higher than 1 however. Even though the second and any potential subsequent versions of Covetous grant only an additional point they all function at the highest level of Covetous.

Example: Alexander has Covetous<Greed> at level 3. He also wants Covetous<Ambition>, which is fine, but he can only set it as a 1 point drawback even though both drawbacks function at the 3rd level of intensity.

Level 1 Mild. The desire is strong and rules the characters world. While they spend a great deal of time in pursuit of their desire the character will not her own rules or those of society to gain the object(s) of their desire however.
Level 2 Serious. When presented with the right opportunity a character may act against her better judgment to attain the object of their desire. They may attempt with a Simple Willpower Test but said test will suffer a penalty between -1 and -3 depending on how great the reward is.
Level 3 Desperate. The obsession is so strong the only way a character could resist pursuing the object of their desire is with a Difficult Willpower Test with a difficulty rangingfrom 1 to 5 depending on how great 'the prize' is. At this level a character will turn on friends and loved ones to attain their goals.


Variable Point Drawback(1 point/level)

Delusions are beliefs that have no basis in reality. Delusional characters refuse to give up their beliefs even in the face of overwhelming evidence to the contrary. They may flat out refuse to believe the evidence or rationalize away any contradictions.

Delusions is a highly customizable drawback that can be taken multiple times. Each instance of this drawback represents a different delusion with a points value that ranges from 1 to 3.

Delusions of Grandeur This person thinks they are someone far more important and powerful than they really are. "I'm a misunderstood genius!' would be a 1 point drawback. "I'm Jesus, worship me!" would be a 3 point drawback.
Phobia This character has an irrational fear of something. The severity determines the rank. A claustrophobic who is merely uncomfortable in enclosed spaces would be 1 point. One who simply refuses to enter an elevator would be 3 points.
Prejudice This character has an irrational hatred of something. A rabid white supremacist would be a 3 point drawback while someone who simply refuses to vote in favor of gay marriage but wishes no violence against them may be a 2.
Misc Any wild or fantastical idea that flies in the face of reality would work as a Delusion. Someone who refuses to pet dogs would be a 1 point drawback while someone who actively tries to get /others/ not to own dogs would be a 2 point drawback. Any delusion that would lead to physically injuring others is likely strong enough to count as a 3 point drawback.

Resources (lack of)

Variable Level Drawback(2 point/level)

You don't make a lot of money. Depending on the level of the drawback you may, in fact, be homeless.

Level 0 Average: The character owns $25,000 in property. She has an income of $4,000 per month before taxes.
Level 1 Below Average: The character owns $7,500 in property (including an old vehicle, perhaps) and lives in an apartment. He has a pre-tax income of $2,500 per month.
Level 2 Hurting: The character owns about $1,500 in property, and lives in a small apartment in a bad part of town. She has an income of about $1,500 a month before taxes.
Level 3 Poor: The character owns some $750 in property and lives in low-income housing. He has an income of $750 a month or what he gets from welfare.
Level 4 Miserable: The character owns about $150 worth of property (including the clothes on her back). She may live in public housing, or might be homeless. She is lucky to scrounge $150 a month.
Level 5 Destitute: The character has no money, the clothes on her back, maybe 15 dollars’ worth of stuff, and a shopping cart. He is lucky to scrounge a few dollars a month.

Emotional Problems

Variable Point Drawback

Characters with emotional problems react in unreasonable ways to certain situations and problems. The actual reaction may vary depending on the problem but it is generally extreme and never helpful.

Emotional Problems come in 4 different types that can be taken individually.

Emotional Problem Description Point Cost
Dependency These are your clingy stalker types. They need attention and lots of it. They tend to hyper-focus on one person, be it a friend or lover, to the exception of most other things. This behavior can be annoying to those around them. 1
Depression The very act of living is a chore. Symptoms include insomnia, procrastination and lack of interest in anything. Characters with Depression suffer a -2 penalty on most tasks. While severe shocks can snap a character out of it for brief periods of time they always seem to slip right back into their funk when the excitement is over. 2
Fear of Commitment Whenever this character feels like they're getting too close to someone they start pulling away. This could be for any number of reasons but characters with this drawback tend to have a hard time forging any lasting relationships. 1
Fear of Rejection Characters with this drawback are afraid of being rejected. When they are rejected, in even the slightest manner, they take it very personally and may feel hurt and/or angry as a result. These characters tend to be afraid to make friends and rarely approach people they are attracted to. 1

If one ever wishes to buy off an Emotional Dependency not only will they need to spend the necessary character point allotment but they'll need to provide a few RP logs showing how they've been working to overcome this problem. There's no set number of required logs but 3 or 4 should suffice. Less if the logs are high enough quality. These logs should also be spread out over a decent period of time(a month or so).


Variable Point Drawback(1 point/level)

Characters with this drawback follow a rigid code of honor that they will not break. Just how rigid is determined by the drawback rank. The code itself is highly personal though it may have been adopted by various teachings or lifestyles. In life or death situations where honor must be ignored characters may attempt Difficult Willpower Test to overcome this drawback.

Level 1 These characters will not lie to or betray friends, loved ones or people they respect. Other people, especially people they dislike, are fair game.
Level 2 A code of honor at this level is more complex and applies to everyone, friend or foe. These characters will not go against their word and will not betray the trust of others once they've accepted it. This level does not require they give their or accept the trust of others only that they refuse to break or betray it once they do.
Level 3 This person lives by a strict set of codes. They refuse to participate in anything that may seem cowardly or underhanded(such as ambushes or striking the unarmed). The mere thought of lying or cheating disgusts these characters. If they ever do attempt to lie or deceive others they do so at a -2 to -6 penalty depending on the situation.


1 Point Drawback

The opposite of the Clown. In fact Clowns tend to piss these characters off. Attempts at humor almost always fall flat on this character and they tend to be considered 'stick in the muds' at parties and social gatherings

Impaired Senses

2 Point Drawback

Characters with this drawback have one or more impaired sense. When utilizing that sense in any Perception based test that relies on that sense you receive a -3 penalty.

Chargen Note: When taking this quality in chargen, you do not take 'Impaired Sense'.
Instead, you take one of: Impaired Sight, Impaired Hearing, Impaired Taste, Impaired Touch,
Impaired Smell.


2 Point Drawback

NOTE: Staff felt that, as written in the Armageddon rulebook, this drawback was not very balanced. In fact for 2 points it was downright worthless and we couldn't imagine anyone ever taking it. So we've reworked it to function as follows.

Lazy people don't like to do much and they very rarely live up to their full potential. This doesn't mean they're not capable or well educated they just don't like putting their skills and talents to use unless they absolutely have to. Mechanically this means a character cannot gain more success levels on a skill check than they have in skill ranks with the related skill.

Example Fred has an Intelligence of 4 and a Knowledge rank of 3. This means no matter how high he rolls under normal circumstances he can never attain more than 3 success levels.

This limit can be overcome by the character making a Simple Willpower Test. This will temporarily(for one scene) allow them to use skills normally.

Low Status

Variable Level Drawback(1 point/level)

Status represents a character's social standing in the eyes of the people around them. Low Status represents those that others look down and/or take pity on.

Level 1 would equate to a pitiable drunk or someone who may have a substance abuse problem. Level 3 would represent someone who can't keep a job or someone how has a severe 'reputation'. Level 5 would be a homeless person.

Mental Problems

Variable Level Drawback(1 point/level)

Your character has issues. These come in a variety of shapes and intensities. Below we've outlined the most common mental problems. Feel free to create variations on these themes, just talk with staff about it before hand so we can add it to the list here!


Cowardly Apply the level as a penalty to any Willpower Test to resist fear, intimidation or bullying.
Cruel The character likes to inflict pain and suffering on others.
Obsession The character is fixated on a particular person or activity.
Paranoia They'r out to get you. You know it
Recklessness Jumps into danger boldly, bravely, stupidly.
Zealot Character holds some belief so strongly that it dominates their life.


Level 1 Mild. Issue is controllable under most circumstances.
Level 2 Severe. It's hard to hide the issues at this level. They creep into aspects of the characters daily life.
Level 3 Deranged. The character has no regard or consideration for the law in regards to their derangement. The character is not mindless but may be close.

Note: Those of you familiar with the Armageddon RPG will note some of these are straight up 2 point drawbacks in that system. We opted to go with the variable level versions described in the Angel RPG. We're all about options here on Whispers after all!

Charisma (lack of)

Variable Level Drawback(1 point/level)

There's just something about you people don't like. People are naturally inclined to antagonize or avoid people with this drawback. Level of this drawback act as a penalty on any roll where the character is trying to influence people. This drawback stacks with bonuses or penalties from Attractive/Unattractive.


Variable Point Drawback(1 point/level)

You have an obligation or are indebted to some person or organization. This could be the military, a cult, a shadow organization or even just an individual person. The degree of obligation determines how many points the drawback is worth.

Level 1 Important. Your character is expected to regularly risk themselves for the organization.
Level 2 Major. The welfare of the organization is placed above your own. The character is always on call, and rarely has time for any kind of normal life.
Level 3 Total. The character is expected to die for the organization if need be. The job IS the life.

Physical Disability

Variable Point Drawback

Your character has a severely debilitating physical impairment.

Disability Description Points Value
Blind The character can't see anything. Perception and Notice rolls are needed to find a target in combat and even then there is a -5 penalty to any rolls. 8
Missing/Crippled Arm/Hand) Just like it sounds. The character takes at least a 3 pt. penalty to any task requiring 2 hands. 2
Missing/Crippled Leg/Foot Just like it sounds. HTH combat is at -2 penalty, and speed is 1/3 normal. Prosthetics improve speed to 1/2 normal. 2
One Eye A character with only one eye has -2 to melee combat-related Tasks and Skills requiring hand-to-eye coordination and all Perception Tests involving peripheral vision and depth perception. During ranged combat, the penalty is increased to -3. 2
Missing/Crippled Arms Character has no arms, and cannot use any tools normally. 4
Missing/Crippled Legs AKA Paraplegic. Character is confined to a wheelchair. 4
Quadriplegic Character is paralyzed from the neck down and needs aid for all everyday tasks. 8

NOTE: While we've included the options for prosthetics we don't reduce the points value of a drawback for a character who uses them. After all they're still impaired with that limb or those limbs and if they lose the prosthetic they suffer the normal penalties.

For convenience we've divided these up into specific drawbacks so that you'll have the easiest time choosing them in c-gen. To save space we've combined a few aspects of the drawbacks. Crippled refers to both Crippled and Missing. So even if you have a missing arm you'd take Physical Disability<Crippled Arm> as mechanically they're the same thing.


1 Point Drawback

Your character is plagued by terrifying dreams that relive some traumatic experience (or maybe a series of bad past events), or are just frightening and disturbing. Every night, your Director may check to see if your character suffers from nightmares. They may be imposed at the DirectorÕs discretion, or may be rolled randomly (a roll of 1 on a D10 means the character experiences a nightmare that night). On any night when the character is afflicted by the nightmare, he suffers -1 to all rolls the following day as a result of exhaustion.


Variable Level Drawback(1 point/level)

Your character has some skeletons in her closet. What they are and how damaging they would be if they ever got out is determined by the drawback rank.

Level 1 Secret generally reflects something that would be a danger to a character's reputation or livelihood.
Level 2 Secret reflects something that could be a danger to well-being (might get arrested or deported if found out.)
Level 3 Secret can be a danger to the character's very life.


2 Point Drawback

Your character likes to have the spotlight firmly centered on them. They'll go to lengths to make sure people notice them. Showoffs tend to be more flashy than those with Covetous<Conspicuous> but are less likely to betray their friends and family to get their fame/attention


2 Point Drawback

Characters with this drawback lack creativity and artistic aptitude. This drawback affects not only art but nearly any social skill that requires creativity.

A Talentless character suffers a -3 penalty when trying to do anything artistic. In addition, even if they do succeed, the can never get more than 1 success level in artistic pursuits regardless of how high the roll is. Talentless characters also make poor liars, charmers and social butterflies. The same penalty applies to such skills as Intimidate, Seduction and Influence rolls.

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