2 levels, 1 point per level
Currently, the three game stats indicate the same level of ability in all aspects of each stat: the Body stat represents all physical aspects, the Mind stat represents all mental aspects, and the Soul stat represents all spiritual and willpower aspects. Some characters may have one or more aspects of a stat at a less proficient level than the rest, however, and this is where the Less Capable defect comes in. For example, a bulky brawler might have a high strength, excellence endurance, fast running speed, good manual dexterity, and healthy immune system... but be rather clumsy. Similarly, a witty, perceptive, and insightful academic genius that might happen to have a surprisingly bad memory. Multiple aspects can be taken for an additional 1 point each.
Examples of aspects include:
Body: Strength, agility, endurance, running speed, immune system.
Mind: Intelligence, wits, perception, memory, intuition.
Soul: Luck, willpower, charisma, magic & psionic aptitude.
Level One: The character suffers a -2 penalty to related checks.
Level Two: The character suffers a -4 penalty to related checks.