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I think I understand the just of what you are trying to do
1) The mechanic is automatic to the character and allows you to take a Hindrance for "free that works as #2 and #3.
2) what it does is if you don't have the stealth skill it gives said skill at d4.
3) If you have the skill already, it will give said skill a +1 die rise instead.
Is that the just of what your trying to do.
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