Horror checks are made whenever a monster with a Charisma statistic
lower than 0 is encountered.  The character must look at the monster
(through either the LOOK or SCAN command, see their helps for more info),
and thus must be able to actually see it.  The character's Wisdom and
level is compared against the monster's negative Charisma and level.
If the roll fails, the character loses some Wisdom and his Wimpy
is set to a random number based off of the monster's level.  If a
character's Wisdom dips below 0 and he stares at a horrible monster,
he is subject to a Sanity check.