Traits are aspects of a character's personality, background, or physique that make him better at some activities and worse at others. In many ways, traits resemble feats: A character can have only a limited number of traits, and each trait provides some benefit.
You need to know that you can discharge medical bills in bankruptcy. Even if you have the best health insurance coverage possible an illness or serious injury means lost time from work, co-pays, deductibles, and other strains on your limited financial resources.
A: Only go to the Emergency Room after a motor vehicle accident (MVA) if you are SERIOUSLY injured. Hospitals will sometimes run up very large bills if you have been in an MVA. The insurance companies when paying a settlement will not consider large emergency room bills if the tests done at the hospital are negative.