Dragged Beneath

You were surprised when you felt the algae brushing
your leg as you swam. Seaweed doesn't usually have fingernails...
Drowning Victim — -3 Con
Thalassophobia — you are frightened while in
or near waters
They Cut Gills Into Me — You can breathe underwater
Atrophied Lungs You have disadvantage against
checks made to hold your breath