Careful

-1 point

Quirk-level Cowardice (p. B129). You’re naturally cautious,
always on the lookout for danger. You should dedicate extra
time and money to preparations before venturing into danger.
If you don’t, only to find yourself caught unprepared in a situ-
ation where someone with full Cowardice would have to make
a self-control roll, your tentativeness gives you -1 to DX, IQ,
Will, skill, and self-control rolls (but not Per or active defense
rolls!) while you stick around.