IV Insanity and Dreams
rules. A character's dread stage can never be higher
than 10.
Dread and Mundane Fear: If a character
experiences both mundane fear and dread, both apply
normally and their effects do not stack.
Insanity
Insanity is a long-term affliction that has specific effects
on a character and his abilities. Insanity does not in
and of itself cause or worsen dread. Rather, insanity
functions similar to a disease: it afflicts a character with
a specific disadvantage that remains until the insanity
is cured or the character recovers from it. Insanity is
less common and immediate compared to dread, and it
is potentially devastating over the long term. There are
Cataclysmic Mental Trauma:
Whenever
a
character is rendered unconscious as a result of ability
damage or ability drain to Intelligence, Wisdom, or
Charisma, she automatically develops an insanity.
Confusion Effects: When a character suffers from
a confusion effect caused by a magical source, there
is a percentage chance equal to the save DC of the
confusion effect that she develops an insanity that
persists after the confusion effect ends.
Insanity Effects: Rather than gaining a permanent
state of confusion, a character who is affected by an
insanity spell or a symbol of insanity immediately gains a
specific form of insanity chosen by the caster.
Insanity Strength
numerous forms of insanity detailed on the following
All insanities have a DC that represents the insanity’s
pages. When a character gains an insanity, the GM
strength, depending on what caused the insanity.
selects an appropriate insanity (or rolls one randomly)
Overwhelming Dread: Insanity caused as a result
from the list. It’s possible to suffer from multiple forms
of overwhelming dread has a DC equal to 10 + the
of insanity.
stage of dread the victim was suffering when he became
There are four ways in which a character can be
driven insane by events that occur during a game:
overwhelming dread (being exposed to several dread
overwhelmed with dread.
Cataclysmic Mental Trauma: Insanity caused by
cataclysmic mental trauma has a DC of 15.
effects within a 24-hour period), cataclysmic mental
Confusion and Insanity Effects: Insanity caused
trauma, confusion effects, or effects that directly
by a magical confusion or insanity effect has a DC
afflict the character with insanity. All insanities are
equal to the original effect’s save DC.
mind-affecting effects and creatures immune to
Multiple Insanities: Whenever a character gains a
mind-affecting effects cannot gain an insanity under
new form of insanity, the DCs of his existing insanities
these rules.
each increase by 2. If the new insanity gained is one the
Overwhelming Dread: Whenever a character rolls
victim is already suffering from, that current insanity
a natural 1 on a saving throw against a dread effect,
(and that insanity only) instead has its DC increased
she must succeed at a Will save against the same DC
by 5.
to avoid contracting an insanity. In addition, if a
character's dread increases to a stage higher than her
dread threshold, she must succeed at an immediate
Will save against the dread effect DC or contract
an insanity.
Recovering from Insanity
Once per week, a character suffering an insanity can
attempt a Will save against the insanity’s DC. On a
success, the insanity’s DC is reduced by 1d4, but note
that some forms of insanity have effects that trigger if
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