human is 12 movement


Nag >1+3 Hit die, ac8 Damage D6 morale 7> move 14> stability -3
Light riding> 1+1 HD, ac 5 Damage D6 -1 morale 12> move 18> stability -3
light racing> 1 HD, ac 6 Damage D6-1 morale 12>move 24> Stability -2
Medium War>2+1 HD, ac 6 Damage D8 morale 17> Move 18 >Stability + 2

Heavy Pack> 2 HD ac 7 Damage D6 morale 14>16> Stability 0
Medium> 2 HD ac 6 Damage D6 morale 14> 18> stability +1
Heavy War >4-5 HD +3 ac 6 Damage 3d3 morale 18>move 18> Stability +2

Abilities
1) be ridden > Stability +2
2) fighter> +2/+1
3) loyal> +2 morale/+1 to stability
4) tough> takes 1 point of damage less from incoming attacks
5) Brute >+3 on damage
6) Agile >+2 AC
7) Game >+ 1HD
8) Fast> +20% movement
9) Smart> Int 3-5
10) roll twice ignoring this
11) Fast Healer
12) Jumper
13) Stable>+1 archery when ridden

Disadvantages

1) headstrong
2) Magic Skittish> -2 morale around spell casting
3) battle shy> -2 morale in combat
4) slow healer
5) fat>-2 move

6) slow>-2 move

7) bad at being ridden>-2 stability
8) bucks>_2 to morale
9)roll twice ,pick your favorite
10) roll twice ignoring this number

MORALE

Roll D20 and must be under horses morale number or horse will not obey commands and might try to flee or buck rider off, exact penalties for failure is subjective based on what caused the morale failure.

STABILITY

This is a stat of the rider as modified by above. Stability rolls are critical to the riders melee attacks