See also: Generic Insanity
Horror most often comes up in Horror campaigns, but can also appear in more generic campaigns. It is the extreme of fear, so we also need to look at fear and morale checks.
Overcoming Fear is done using Will. Most people should make most fear checks most of the time. This is for reasons of playability if nothing else. Effects of Fear will normally cause penalties rather than force outright actions. Those penalties may indirectly force a character into doing something however.
| Target | Examples |
|---|---|
| 10 | Moderate danger. |
| 15 | Serious danger. |
| 20 | Lots of danger. |