About Stress Tokens
When you encounter a horror, you must make a horror check or else accrue 1 stress. Similarly, direct interaction with the plague accumulates stress. Once you accrue 3 stress, you lose control of your character as the disease takes hold.
You can discard stress tokens if you or the GM invoke the token to apply a -2 to your roll. Such invocation represents your attempt to shake off the effects of the plague, or the way in which it has begun to transform you into a ghoul.
Making Horror Checks
Here, the stench of death is overwhelming, yet the sick are not yet dead, their flesh suspended on emaciated skulls as the disease warps what little semblance of life remains.
Make a horror check (TN 9, Deft): โThey were once men.โ The attribute is Deft, because youโre trying to empathize with the reality that these people are sick and not yet monsters.