Insanity:

Most Miridonians do suffer from minor possession, but they are able to retain their sanity. However, when there are a large number of ghosts possessing a weakened individual, the individual has a chance to go insane, mutate, or even die.



When a character's [Current Physical HP] is less than their [Current Ghost HP], they must make an insanity roll on the below table. This roll happens whenever the character's [Current Physical HP] lowers or their [Current Ghost HP] increases.



There multiple reasons a character needs to make an [Insanity] roll:



The character's [Current Physical HP] is reduced.

The character's [Maximum Ghost HP] is increased with [Possession].

The character's [Current Ghost HP] is increased with [Gather Mist].



If these conditions are met and [Current Physical HP] is greater than [Current Ghost HP], then they roll to get their [Insanity] roll:



[Insanity] roll result = [Current Ghost HP] - [Current Physical HP] + 3d6



Note: The [Resist Insanity] skill treats the [Current Physical HP] as higher both to check if [Current Physical HP] is greater than [Current Ghost HP] and to calculate the [Insanity] roll



After rolling an [Insanity] roll, the look up the roll on this table and take the appropriate effect:


Table 7.1 - Insanity Roll Effects:

Insanity Roll	Effect	Severity
10 or less	None
11	Phobia	1
12	Spell Drain	1
13	None
14	Minor Insanity	1d6
15	Increase Roll	1d6
16	None
17	Phobia	1d6
18	Stun	1
19	Mutant Transformation
20	Increase Roll	2d6
21	None
22	Spell Drain	30
23	None
24	Minor Insanity	2d6
25	Increase Roll	3d6
26	Mutant Transformation
27	Phobia	2d6
28	Stun	2
29	Disruption	1d6
30	Increase Roll	2d6
31	Mutant Transformation
32	Spell Drain	50
33	Possessed	1
34	Vanity Transformation
35	Increase Roll	1d6
36	Mutant Transformation
37	Hardened	1
38	Stun	3
39	Disruption	2d6
40	Increase Roll	2d6
41	Mutant Transformation
42	Spell Drain	70
43	Possessed	1
44	Vanity Transformation
45	Increase Roll	1d6
46	Mutant Transformation
47	Hardened	1
48	Unconscious
49	Disruption	3d6
50	Increase Roll	3d6
51	Vanity Transformation
52	Spell Drain	90
53	Possessed	1
54	Spell Backfire	1
55	Increase Roll	1d6
56	Vanity Transformation
57	Hardened	2
58	Unconscious	1d6
59	Husk Transformation
60	Increase Roll	2d6
61	Vanity Transformation
62	Spell Drain	110
63	Possessed	1
64	Spell Backfire	1
65	Increase Roll	1d6
66	Vanity Transformation
67	Hardened	2d6
68	Unconscious	2d6
69	Husk Transformation
70	Increase Roll	1d6
71	Vanity Transformation
72	Spell Drain	130
73	Possessed	1
74	Spell Backfire	2
75	Increase Roll	3d6
76	Husk Transformation
77	Hardened	3d6
78	Unconscious	3d6
79	Mist Form	1
80	Increase Roll	2d6
81	Husk Transformation
82	Spell Drain	150
83	Possessed	2
84	Awakened Transformation
85	Increase Roll	1d6
86	Husk Transformation
87	None
88	Curse
89	Mist Form	2
90	Increase Roll	2d6
91	Husk Transformation
92	Spell Drain	170
93	Possessed	2
94	Awakened Transformation
95	Increase Roll	1d6
96	Husk Transformation
97	Dematerialize
98	Dematerialize
99	Awakened Transformation
100 or more	Dematerialize

None:
The character suffers no effects.


Increase Roll:
Add [Severity] to the current [Insanity] roll. Take the new effects.


Phobia:
The character gains a phobia for [Severity] days.  The phobia is dependent on the current situation of the character.  The phobia is decided by the GM.  While in the presence of the phobia, 
any [Defensive Charisma Roll] rolled by the character is reduced by 5.


Minor Insanity:
The character gains a minor insanity for [Severity] days. 
The minor insanity is decided by the GM. 
Any [Defensive Charisma Roll] rolled by the character is reduced by 5.


Curse:
Seemingly no effect. 
The character is now cursed. 
The GM can decide the manifestation of the curse at a future time.


Spell Drain:
If the character is casting a spell, the [Spell Ghost HP] is reduced by [Severity].


Disruption:
The character cannot use [Cast Spell] or [Echo Spell] for [Severity] [Action Blocks].


Spell Backfire:
If the character is casting [Elemental Spell], then that spell activates with the caster as the sole target. 
If the character is casting any other spell, then that spell is cancelled. The damage dealt by the spell is multiplied by [Severity].


Stun:
The character takes effects dependent on the [Severity].

If the [Severity] is 1, the character's [Current Speed Points] are cut in half and the character's [Current Strength Points] are cut in half. The result is rounded down.

If the [Severity] is 2, the character's [Current Speed Points] become 0 and the character's [Current Strength Points] become 0.

If the [Severity] is 3, the character's [Current Speed Points] become 0 and the character's [Current Strength Points] become 0. The character also cannot use [Restore Speed Points] or [Restore Strength Points] in the current [Action Block] or the next 1d6 [Action Blocks].


Unconscious:
The character is knocked [Unconscious] for [Severity] hours. 
Restoring the character's [Current Physical HP] will not heal the [Unconscious] state.


Possessed:
The character takes effects dependent on the [Severity].

If the [Severity] is 1, ghosts possess the character.
The ghosts control the character until the character is reduced to 0 [Current Ghost HP].
The ghosts cannot use [Gather Mist].

If the [Severity] is 2, ghosts possess the character.
The ghosts control the character until the character is reduced to 0 [Maximum Ghost HP].
The ghosts can use [Gather Mist].


Mutant Transformation:
The character transforms into a mutant.


Vanity Transformation:
The character transforms into a vanity.


Husk Transformation:
Transform into a Husk.


Awakened Transformation:
Transform into an Awakened.


Hardened:
The character is hardened against mutation. 
For the next [Severity] times that the character suffers from [Mutant Transformation] or [Vanity Transformation], the character takes no effects.


Mist Form:
The character takes effects dependent on the [Severity].

If the [Severity] is 1, every particle of the character's body dematerializes. 
In 24 hours, the character will appear 1d6 miles away from the location that the character dematerialized. 
Roll 65 + 3d6 and the character also takes that effect as an [Insanity] roll.

If the [Severity] is 2, every particle of the character's body dematerializes. 
In 7 days, the character will appear 3d6 miles away from the location that the character dematerialized. 
Roll 75 + 3d6 and the character also takes that effect as an [Insanity] roll.


Dematerialize:
Every particle of the character's body dematerializes into mist. 
The character is dead.