Within the Zamani rules, a phobia is something that produces an enhanced probability of a fear reaction in a character. This is not necessarily a clinically diagnosed/identified fear, and is not necessarily unprovoked or unreasonable.
Mechanically it means that when they encounter their phobia they get a fear roll vs it, even if it is something that normally does not cause a fear roll for other characters.
Phobias may be Minor or Major Unfavorable Traits, depending on the frequency a roll may be needed to be made, or how common the thing they are afraid of is in the general environment or probable activities of the character.
You cannot have a Phobia for something that you already have a Hardened Reaction trait to.
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