Major Phobia

This character has an unreasonable fear of a particular creature or situation. The exact nature of the situation or creature should be determined between the player and the GM, but examples include things like Snake, Pirate, Wolves, Vermyn, Crowds, Confined Spaces, etc. The player should be expected to avoid these creatures and situations whenever possible, however they must make a Daunting (dddd) Fear check when attempting to face these situations head on (whether willingly or not)