Those who perish in the black waters of Whitaker Cove have a disturbing habit of returning to exact hate-filled vengeance upon the living. The attacks always occur at night and target lone individuals.
THE RESTLESS DEAD
They "live" to throttle the living
Good (+2) at: Spreading terror, choking the life out of lone victims
Bad (-2) at: Pretty much everything else
Notes: When one of the restless dead rises from its watery grave, the event can be terrifying for anyone unfortunate enough to be present. At the start of the scene, the GM should roll 6 dice. (4 dice for its attack modified by two dice more for its affinity for spreading terror.) The attack is not a physical one, but still targets the stress track of the victim as it represents emotional trauma.
A player can defend normally, or perhaps they can voluntarily take themselves out of the scene (earning a Fate point in the process) and perhaps dictate that they flee in gibbering, wailing terror.
Video Note: Fender Squire running through a Catalinbread Belle Epoch into a Vox AC4. One of the reasons for my prolonged blogging absence was a partial tear of my right ACL I suffered while surfing. I spent nearly 18 months rehabbing and trying to get back into form, but sadly my days in the water are over. It's been a crushing blow, but to help me cope I picked up the guitar. It's not a total loss, I guess. :)