Too Stupid to Live (-100 points)
Copyright (c) 1996 by Brant Harvey

This character, while possibly being very intelligent in some ways, is
clueless to an incredibly hazardous degree.  Somehow, he will end up
snorting heroin, falling asleep in the Carnivorous Tree Rat-ridden forest,
opening the airlock without his vacc suit, or making just the right breach
of netiquette to infuriate Sean, Susan, _and_ Evil Stevie
_simultaneously_.  Whenever a situation comes up where a miscalculation of
some kind, no matter how ridiculous, could kill the character, the player
must make an IQ check.  Any roll over 14 is automatically a failure, and
thus fatal.  Characters known to have this disadvantage ought to be
avoided like the plague, especially since, if they've been near a
bacteriology lab lately, they're probably _carrying_ the plague. 

With apologies to anyone who may have actually done any of these things.
Man, I didn't make up the term.  I'm just repeating it.