OOC:
Genisisect: A couple things there, There is Foresight which is like for identifying tactical information, and Awareness which is closer to your traditional Perception roll. Loan Shark doesn't have either so they would both be defaults to their Potentials. So you would roll 1d10 against either INT (for Foresight) or ADP (for Awareness). If the result is less than or equal to your potential, you succeed. For what you're wanting to do, it would be Foresight (INT). Also, this would count as your freebie action.
As far as cover is concerned, the grass is tall enough to hide and it would be stealth rolls if you are trying to just get away from the zombies. Actual cover wouldn't matter here since they can't shoot at you.
For the Ready action, you can choose to either act at the top of next round, or add your Potential to your next roll. Which would you like to do?
Everybody: I thought about it more, if you move your character at less than full speed (I.e., SPD - 1), I won't ask for the athletics roll for the terrain. I think that's a more interesting scene than you guys standing around waiting for like four turns.
Lastly, I'm out of town until late tonight, I won't be posting much until then.