Hello all!
On page 47 of the creature guide it is stated under "Swarm Special Rules -> Overwhelming" that melee attacks by swarms gain "comet : The target must make a Discipline check against Fear 1"
Since the only way to get a comet is rolling expertise dices, which represent dedicated training or exceptional aptitude with a skill or special proficiency (pg 14 Player Guide), and it is very unlikely that a swarm of rats has WS basic skill trained, I don't see how a Swarm of rats, bats, insects or whatever, can roll this result.
Wouldn't it be better something like
Overwhelming: attacks against a swarm gain "Chaos star: you must make a Discipline check against Fear 1"
But may be I am missing something?