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 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 If the new insanity gained is one the Overwhelming Dread: Whenever a character rolls victim is already suffering from, that current insanity a natural 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 93