I've been chewing on this and my inclination is to do away with the card system entirely and adapt the system from Five Parsecs From Home (which, admittedly, is one of my shiny new toys, and thus biases me more favorably toward it). Here's an untested alpha draft:
Each combat round has three initiative phases. In order, these are Quick, Enemy, and Slow.
At the beginning of every combat round, each PC and allied NPC makes a Coolness Under Fire check (adding unit morale if within LOS or voice/radio contact of an ally). This check receives a -1 penalty if facing enemies who predominantly have CUF A and a +1 bonus if facing enemies who predominantly have CUF D. The Combat Awareness specialty's effect becomes a +1 bonus to initiative.
- Quick phase: every PC/ally who succeeded with the CUF check
- Enemy phase: every opponent
- Slow phase: every PC/ally who failed the CUF check
In each phase, characters may act in any order.
- C.