You have an irrational fear of something. This can be a type of item, certain people, or just about anything. When facing your fear, you suffer four points of Impairment. For each sequence after that in which you were first subject to your Fear, this penalty is reduced by one, but never to less than one point of impairment.
A creature subjected to something it fears often tries to talk its way out or otherwise stall to regain its composure.