I read this section twice went back and read charge attack twice and unless you deiced to use an active defense I'm not convinced you do. As far as i can tell you can just take Reaction+Int+1 as your defense, even if you did take active defense it would be -5 initiative hit and then go i guess. It's a lot easier to follow if your using some kind of counter attack effect, but nothing lists an action type and all says defense test. Anyone else have thoughts on this?