Dave Camoirano wrote:
...
> if a character has been hit by a
> particular barrage of insults that the GM has ruled would put him at a
> psychological disadvantage or has caused the character to not think
> straight, the character should receive a penalty to any action that
> would need a clear head or a mind in line with the desired action.
...
The attacker (insulter) can achieve this effect using the rule for
Trading AP for Penalties (HQ page 189). If the player was aware of this
option, but did not exercise it, I would tend not to give the player an
additional advatage for free.