[Kristoffer O]

Frighten AoE 1, eff +6
Panic AoE 1+lvl*2 (affects only enemies), eff +3
Terror AoE 2+lvl, eff +5

Making terror and frighten better vs high morale units and panic better vs chaff and close combat, where you can hit your own low morale troops without negative effects.

Edit: the eff is not applied to the rout check, only to the individual mrl checks to see if mrl is lowered for a particular unit. Rout check is based on total mrl of squad.