Making up your mind is agonizing. At your worst, you’d rather stay in bed than decide what to do when you get up. You start things and don’t finish them. Committing yourself to a course of action takes you much longer than the average person, causing you to miss opportunities. You suffer a 1D+0 penalty to rolls for initiative, and a 0D+2 penalty for all Presence skills where the ability to make a decision may be a factor, at the GM’s discretion.