switch CS label 'encumbrance' with 'penalty'

The character sheet's spot to mark 'encumbrance penalties' is only named
'encumbrance', so it's not immediately clear what it does.  Since
characters only take penalties from encumbrance, it's clearer to just
state that it's a space for 'penalties'.

CS.tex

@@ -95,7 +95,7 @@ circle label/.style = {
       \draw[dotted] (-1,-0.9) circle (1);
      \path[circle label={MP = 3 x spheres}] (-1,-4.6) arc (-90:315-45:1.1);
       \draw[dotted] (-1,-3.5) circle (1) node [align=left] {};
-     \path[circle label={Encumbrance}] (-1,-7.2) arc (-90:315-45:1.1);
+     \path[circle label={Penalty}] (-1,-7.2) arc (-90:315-45:1.1);
       \draw[dotted] (-1,-6.1) circle (1) node [align=left] {};
     \end{tikzpicture}