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Armor Info

Armor has a multiplier depending on its location. You multiply the actual armor value (pierce, bash, slash, magic) by the multiplier then subtract it from the total. After that you add the effect modifier.

Location Multiplier Location Multiplier
Torso 4 Leg 3
Head 2 Shield 3
Finger 1? Body 3
Neck 1 or 2? Waist 1
Ear 1 Wrist 1
Arm 3 Face 1
Hand 1 or 2 Floater 1?