(TFT) Disadvantages

[stan rydzewski <srydzews@ix.netcom.com>]

Since joining the list a couple of days ago, I've seen a few references
to "disadvanges" that essentially count as negative IQ points which can
(if I'm getting the drift) be spent to acquire additional talents.  Is 
this detailed anywhere?  My apologies if I'm asking about something 
that I should damn well already know.

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Stan
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