I have to apologize, here. Unfortunately, I did not actually read the
section before noting that I would lay out the details for you; as I
began to read it, I thought I could just lay out the bonuses &
penalty numbers(leaving out what I thought was just "flavour
texting") and present you with what you needed to accurately present
the official rulings. As it turns out, there is alot of expressive
text detailing specific ways to portray not just the bonuses &
penalties(much more than just the numbers), but also the Character
persona, and even that Character's conditional interactive
modifications-among much more.
Considering that it's a full 2 pages of material, and ALL of it
counts, I have to say that purchasing the book would be your best
bet...I just can't sit and type that much stuff.

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|PRieST|
GAME ON!!!
Consequently, 'Compleat Strategist' has decent discounted copies, for
over $3 off...

http://www.thecompleatstrategist.com/index.asp?
PageAction=VIEWPROD&ProdID=5122