If you change the difficulty, monsters do more damage, but it's all said when you change it in the options window, during the game. And well, it becomes insane

(I though with core rules monsters do half or normal damage. With insane they do double damage)
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Guns don't kill people, people kill other people.
So, therefore:
Nobody moves! Give me your wallet! I'm holding a person right here!
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Overlord Executioner, Slayer of Fluffed Beings
Member of Clan HADB
Supreme Warrior of Myst
Official Entertainer in Cloudy's Cafe