[JohnPaulB]

I'm fine with Elves starting out at MA = 12. They should be able to buy Running Talent normally.

What I don't understand is "Elves also have an inbred horror of insects and crawling things and fight them at a -3 DX penalty.

That surely can't mean that regular centipedes and worms crawling on the ground freak them out. This must refer to something more, like a bee swarm or kicking over an ant hill or gnat cloud. Otherwise, how could they be so nature oriented and build in the forest?

But it does say "fight them at a -3 DX penalty" so perhaps fighting said creatures is when the horror kicks in?

I could see that this Horror would apply to Giant Insects.

Also, one way to exploit this is for a wizard to Summon the bug version of Myrmidon.