You have multiple personalities. For each 5 levels of this you have another personality (i.e. 10 levels of this will give you 2 extra personalities or 3 total). Your personalities may or may not know about each other, and will sometimes even interact. Generally they do not know the others exist, and even more rarely do they know they are the same person (generally during treatment). Anytime you have a stressful situation you must roll a Will roll or your personality will transform to a more suitable personality for the problem at hand. It is possible to develop a personality to handle a phobia of another personality’s.