Brendan asked for an example of the social morale idea I posted about earlier. I don't have the time to write up a complete example (got lots of spell stuff to work on,) but then it occurred to me: let's just play it out!
You are hired to transport a chest of taxes levied on the local populace from the village of Startham to the county seat of Nottingham. You've been told that if the monies do not arrive intact at their destination, you will be considered outlaw and hunted down; if it arrives without any obvious shortages, you will be rewarded 50 gp each. You have a written inventory to hand to the sheriff upon arrival.
You have been intercepted by 20 bandits, who lead you to the bandit king, Robin Hood (who may or may not be as pure and good-hearted as local legend suggests.) You are 1st level and can be any of the four main classes, but your ability scores are average (10 straight across.) You have up to 100 gp of equipment. You also have two pack handlers, two mules, and two burly mercenaries.