I knocked these rough and ready morale chits up for wargaming. They are to be used with Horizon Wars as my house rule of morale in order to make the game more interesting to me. I used this system last year once and thought I would actually make some more permanent chits for it.
After the destruction of a unit the commander draws a random chit. If at any point the total on the chits exceeds the army's P value, then they break and withdraw. There are also a few that have random events on them, which may bring something cool to the game.
I am toying with this system for my Activities Week event this year. Four days of wargaming.