I will be starting my first CofD chronicle pretty soon, and I have never played it. So I have some doubts from the corebook. Maybe the nice people at Onyx Path can help me?

1st) It says penalties and bonuses are capped at +/-5. Does it mean from a single source, or from multiple sources? How do they stack? If I have +8 dice from many sources, and -5 from other sources, do I have a +3 (8-5) or +0 (cap of a +5 bonus, -5)? I guess even in combinations, bonuses or penalties bigger than 5 will be incredibly rare, but between willpower and bonus equipment and such, I think it´s not so...