Quick skill question

I must have forgotten and can’t find in the book how skills are reduced. If a skill starts at 2 when you learn it, then how can it get down to 0 or 1? I’m sure this is in the book but i can’t find it, so I get to look stupid and ask you people.

as a result of injury or sickness. ie. losing a finger or two wont cause you a health loss, but you can be sure weaver/fighter or other manual dexterity skills might.

Ah. Wow. Seems like there would be more. Wow.