In the below table, the penalties for wearing armor are listed.
Movement Penalty
The Movement penalty applies only when calculating the total movement of the character. It is a percentage that lessens how far a character can move in a combat round. Thus, if a character is wearing AT 16, the character will move 50% slower than a character not wearing armor.
Penalty to Active Skills
The penalty to Active Skills is applied to any active skills meaning all that require some sort of movement or are used in combat.
Penalty to Ranged Attacks and Spell Attacks
Penalty to Ranged Attacks and Spell Attacks apply to all attacks and spells that require hitting a target.
Penalty to Ranged Attacks and Spell Attacks do not apply to spells that does not require hitting the target (Spells that use Resilience as opposed to Base Defense)
To ensure that a character is playable, all rolls below 20 are modified according to the following table. Scores below 20 are only used for animal, monsters and so on.
To make sure that a character can look heroic, 3 rolls can be adjusted. This can be done in 2 ways. In most cases, using adjustment instead of a reroll is the best choice.