Grudge

Quirk, -1 point.

You’re on chilly terms with a medium-sized group – city department, spirits of one specific forest, everybody who works for a particular corporation, etc. – who should be neutral, even friendly toward you. This gives you a minor Rival (see Enemy) rather than a reaction penalty (that would be a Trivial Reputation, B33).

Day to day, this group leaves you alone. Members don’t seek you out; you may even interact with them socially. However, should you ever require their professional services and they know you are asking, they’ll avoid helping if that’s legal, respond slowly if it isn’t. The fire department won’t let you die in a fire, but they won’t save your house!

Grudge guarantees an automatic “Bad” reaction on commercial transactions (if held by a corporation, every shop in a small village, every pub in a large city, etc.), requests for aid (for a group like city guardsmen, firemen, or spirits), or requests for information (if the group’s commerce or assistance involves information) – specify which. It has no effect on other reactions. Reactions predetermined as part of a plot, and those of mind-controlled NPCs, may override your quirk.

This can also be found in PU6 p. 32