This churns up the residual psychic residue left on the Ethereal Plane by ghosts and other spirits, causing it to assault the target as a stream of annoying whispers. The content of the whispers is usually about embarrassing moments from the target's past and/or taunting the target about their failures. It's always those embarrassments or failures that are closest to the surface.

Since this is driven by the target's own subconscious mind, nothing can be hidden from the whispers.

Affliction [31] 
    Advantage [+150%] 
        Illusion [15] 
            Initiative [+100%] 
            Auditory Only [-70%] 
            Only to Create Phantom Voices [-60%] 
                As per the annoying form of the Disadvantage 
            Magical [-10%] 
    Extended Duration (x10) [+40%] 
    Malediction (As Regular Spell) [+100%] 
    Based on Activation Roll [+5%] 
    Resisted by Will [+20%] 
    Environmental (Being on the Ethereal Plane, Rare) [-40%] 
    Terminal Condition (Leaving the Ethereal Plane) [-20%] 
    Magical [-10%] 
    Spell Components [-40%] 
        Must say "voices" in Latin 
        Must gesture with hands 
        Must hold a coffin nail and a mourner's cowl 
Level 2 [36] 
    Increase Malediction to Speed/Range table [+50%] 
Level 3 [41] 
    Add Area Effect (2 yard radius) [+50%] 
Level 4-7 [46/51/56/61] 
    Increase Area Effect by 1 step [+50%]