5.4 -- Character Aging
As the campaign moves through game time, 
characters will have birthdays and actually grow older. This gives the benefit 
of gaining an extra experience point for growing older, as a sort of birthday 
present, and perhaps representing the gaining of a little wisdom that such 
events will bring.
But eventually a character will grow old enough that he or she will begin to 
feel the effects that aging can have. Such things vary, of course, but since 
this is a game we need consistent rules to deal with these things. 
I am willing to let most of this be character flavor, and only provide 
in-game prodding where necessary. However, there are a few rules: 
Death and Consciousness Tests
Starting at age 40, DTs and CTs become a 
little harder. The body doesn't deal as well with the stresses of injury. There 
is a -1 penalty to each. This increases to -2 at 60, and -3 at 80. This is true 
even if the character was created at a later age. There is no increased cost for 
using Fudge Points to pass these tests. 
Attribute Loss
This is to represent the general slowing down that can 
come with age. At 40 years old, the character loses one Attribute level, and 
again every 5 years. This may be any Attribute except Rank. With the GM's 
permission, you may lower two Skill levels in substitution for an Attribute 
level.