INSANITY

Insanity is measured as Light, Moderate, Serious, or Deadly. The penalty 
to target numbers is the same as for normal damage, and is cumulative 
with physical or stun damage. There is no penalty for deadly insanity, 
but such a character can only be a non-player character.

When in a situation where insanity may occur, resistance will be rolled 
with Willpower. Insanity helps keep a character sane: if an already 
insane character makes a willpower test vs. further insanity, the 
insanity penalties are applied as a bonus instead of a penalty.

Insanity heals in a manner similar to mental damage, although rest is 
not required. A Charisma test is rolled. Insanity damage does not apply 
penalties to this roll, but mental or physical damage does. Divide the 
duration by the number of successes. This is the amount of time it takes 
for insanity to drop one level. If there are no successes, the level 
does not drop, and the duration is doubled for the next roll.

Insanity     Duration     Target Number
Deadly       10 days            6
Serious       6 days            5
Moderate      3 days            4
Light         1 day             3

EFFECTS

The exact effects of insanity are left up to the player and referee. The 
style of the game and the situation that caused the insanity should 
dictate how insanity is treated.

Light insanity should involve minor distractions or compulsions. 
Moderate insanity should involve definite compulsions and/or a twisted 
world-view.

Serious insanity will involve occasional hallucinations, paranoia, 
and/or very strange compulsions. Deadly insanity indicates that the 
character is completely insane. Most of the character's time is spent 
with hallucinations. It might involve paranoid delusions and 
schizophrenia, or a complete, non-stable personality switch.

Insanity is not cumulative. However, characters can have multiple 
insanities. Only the penalty for the most serious insanity modifies 
success tests. Each insanity must be cured separately.

A character  might have a deadly psychosis (fear of flying), a moderate 
neurosis (kleptomania), and a light paranoia. Whenever the character is 
in a situation where kleptomania grabs hold, the character has the 
penalty of 2 for moderate insanity. If kleptomania isn't in effect, the 
character has the penalty of 1 for the paranoia (since paranoia will 
pretty much always be something the character will have to worry about). 
Whenever the character's fear of flying takes effect, the character is 
played by the game master, and no penalties are in effect. (Yes, the no 
penalty for deadly does override the real penalties for lesser 
insanities. It's the highest insanity, not the highest penalty, that 
takes precedence.)