Your sleep every night is filled with horrible nightmares. They come to you every time you go to sleep and they haunt you while awake. Sometimes, they're so bad that they'll actually affect your efficiency while you're awake. A character must make a resist torture/drugs check at Easy to Moderate difficulty every morning. If the wild die comes up as a 1 and the character fails the check, then the character is at -1D to all checks not to resist physical damage for the next day.

Sometimes nightmares are realistic enough that the character cannot distinguish them from reality. The GM should feel free to roleplay out a nightmare, starting like a normal scenario, then gradually becoming more and more horrible. The PC should only gradually begin to suspect that it's not real. Such drams can have a dramatic effect on the victim's waking abilities, such as temporary Phobias, Compulsive Behaviors, or even a psychosomatic penalty to some attribute.

If other characters are involved in roleplaying the nightmare, they're completely unaffected by anything that occurs in the dream (although if it takes a while to play out, the GM may choose to reward them with a few character points). It's the GM's option to let the other players know in advance that the scenario is a dream.