The material below is Open Game Content from The Modern Path
Penalty: The Hero believes, irrationally, that something or someone is out to get him. The Hero suffers a -2 penalty on Will saves and -1 on Charisma-based skill checks. PHOBIA
Penalty: Something frightens the Hero. If he encounters or experiences the Phobia, he must make a Willpower check vs. Fear at a DC of 10+ (GM determines severity), or become Panicked (see conditions).