2 levels, 1 point per level
not available to metamorphosis forms
The character has very little life experience or special training, and so begins with few or no skill points. (The amounts below are total, not cumulative.)
It is assumed that all player characters received at least an eighth-grade education. (Attending high school was not commonplace until 1900.) This defect is appropriate for characters who didn't get that far. It does not apply to characters who are just as knowledgeable without the schooling, having achieved that education through other means; it only applies who characters who are not as educated as someone who has finished approximately eight years of public education.
Level One: The character has 5 fewer skill points. Some formal education received.
Level Two: The character has 10 fewer skill points. No formal education received.