MORALE and LOYALTY
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* When creating a monster/enemy combatants, roll for morale(2D6) or assign 
  a morale score for the creature or group. The higher the morale score, the
  better the morale. A score of 6-8 is average. A score of 2 means that the 
  monster/group will not fight. A score of 12 means that it/they will fight 
  to the death without checking morale.

* In general, morale will be checked after the first death in combat(if a
  group of NPCs/monster combatants) or when a monster is seriously wounded
  (if only 1 monster), and it will be checked again when 1/2 the monsters/
  combatants have been slain or incapacitated. Monsters/combatants that 
  successfully make their morale check twice will fight to the death.

  NOTE that higher level Fighters and Barbarians may trigger morale checks
  before combat has even begun or when they charge. 

* Morale is checked by rolling 2D6 and comparing it to the original morale
  score. If the result is greater than the original score, the monster(s)
  will try and retreat(or surrender).

* Morale can be changed by situations(unless the Morale Score is 2 or 12).
  For instance, if the monsters are losing/winning the battle, their morale
  score may be temporarily lowered by -1/raised by +1.
   

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* PC RETAINERS will also have a Morale Score when they are first hired/created.
  This score may be raised or lowered based on the the level/charisma of their
  employer, treatment, rewards by the employer, belief in the cause of their
  employer, etc. They do not need to check morale in combat unless the danger 
  is greater than might reasonably be expected. Fanatical retainers will not 
  check morale. 

  Monsters can be lured into service if they are of the same basic alignment as
  the player-character, or they can be Charmed and thus ordered to serve. Note,
  however, that the term "monster" includes men found in the dungeons, so in 
  this way some high-level characters can be brought into a character's service, 
  charisma allowing, or through a Charm spell. Some reward must be offered to a 
  monster in order to induce it into service (not just sparing its life, for 
  example). The monster will react, with appropriate plusses or minuses, accord-
  ing to the offer, the referee rolling two six-sided dice and adjusting for 
  charisma:


                         Dice Score Reaction
                         -------------------

                         2 Attempts to attack
                       3-5 Hostile reaction
                       6-8 Uncertain
                       9-11 Accepts offer
                         12 Enthusiastic, Loyalty +3

         An "Uncertain" reaction leaves the door open to additional reward 
         offers, but scores under 6 do not.

* Capture of Non-Player Monsters: Morale dice can cause a man or intelligent 
  monster to attempt to surrender or become subdued. When this happens an offer 
  of service can be made (assuming that communication is possible) as outlined 
  above. Subdued monsters will obey for a time without need to check their 
  reactions

* LOYALTY of Non-Player Characters (Including Monsters): Men, dwarves and elves
  will serve as retainers with relative loyalty so long they receive their pay 
  regularly, are treated fairly, are not continually exposed to extra-hazardous 
  duty, and receive bonuses when they are taking part in some dangerous venture. 
  Judgement of this matter is perforce subjective on the part of the campaign 
  referee, but there is a simple guideline: When one or more of such characters 
  are taken into service a loyalty check is made by rolling three-six-sided dice.
  Adjustments are made for charisma and initial payments for service, and the 
  loyalty of the character(s) noted by the referee. (The player will not have
  any knowledge of what it is without some method of reading minds.)

                                   Loyalty Score 
                               --------------------

                               3 or less       Will desert at first opportunity
                             4-6               -2 on morale dice
                             7-8               -1 on morale dice
                            9-12               Average on morale dice
                           13-14               +1 on morale dice
                           15-18               +2 on morale dice
                    19 and above               Need never check morale

* Non-player characters and men-at-arms will have to make morale checks whenever 
  a highly dangerous or unnerving situation arises. Poor morale will mean that 
  those in question will not perform as expected. Periodic re-checks of loyalty 
  should be made. Length of service, rewards, etc. will bring additional plusses. 
  Poor treatment will confer penalties.