I took her for the example, it's not her specifically. For easy access : http://www.arkhamhorrorwiki.com/Zoey_Samaras
Her success says "... Zoey gains Fight +1."
Her failure says "Zoey suffers a -1 penalty to all Luck checks."
I was wondering why the failure text doesn't say "Zoey gains Luck -1." I understood "suffers a -1 penalty" as "throws one dice less that what she's supposed to throw". Am I right ? Or is "suffers a -1 penalty" means "throws the expecting amount of dice and applies a -1 to each dice (meaning a 4 become a 3)" ?