Whenever you really, really scare your characters, it's fun to give them a lasting effect... Also available in a D20 Modern version.
Publisher's blurb: "The Horror check is an important mechanic in any horror roleplaying game. It's a mechanic that players have come to identify with horror gaming. In fact, Savage Worlds includes a Fear table. Now 12 to Midnight is proud to enhance the Savage Worlds fear system with one hundred ways to be afraid.
"The Fear Effects system is designed to be simple, keeping the emphasis on the adventure and not on burdensome rules. There is no sanity score you must track, and the Horror check is still based on a Guts check. If the check fails, the Fear Effect is tiered based on the severity of the situation, ranging from anywhere from "weak knees" to coimetrophobia (fear of cemetaries), and even up to hysterical blindness (psychosomatic blindness)."
More when I get hold of a copy!
Book Details:
Author: Ed Wetterman
Publishers' Reference: TWL0018
ISBN: n/a
PDF, 13 pages
Date: August 2005
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Product page last updated: 1 March 2008