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(+1)

A question on the Skinflint's two standard specialities. 

Does this means that a Skinflint will always have +3 DR to all social tests? Or perhaps it's just the greater of the two (+2 DR) on all social tests?

Yep! They're additive, so starting Skinflints get both starting penalties for a +3 DR total on social tests.

If other Classes dip into Skinflint via Getting Better, they'd only take the penalties for the Specialty they pick.