Morale - quick and dirty...

Morale Checks are made under the following circumstances:

a) A unit takes 50% casualties;
b) A unit's immediate commander in the chain of command has become a casualty or;
c) Any unit subjected to artillery fire in the previous turn.

Procedure:

For a) or b) above, throw d6 per unit: 4+ they operate normally 2+ they may operate defensively 1 they must either surrender to an enemy unit that is within 12" or run away in the next move phase a full charge move.
For c) above: 4+ they operate normally 1, 2 or 3 they must either surrender to an enemy unit that is within 12" or run away in the next move phase a full charge move.