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==PROFICIENCY== For the purposes of the material herein, it is assumed that to use armour a character must be proficient with its use. This is handled via 2 point armour Familiarities (AF) for each Category of armour, and a 1 point armour Familiarity for Shields. Characters lacking the appropriate proficiency may wear armour, but suffer major penalties for doing so for both Equipment and Magic based armours bought with the "Real armour" Limitation. ===DEX ROLL AND DCV PENALTY=== Armour is cumbersome and imposes penalties upon the wearer. Whenever attempting a DEX Roll or using a DEX Based Skill the Character sufferers the encumberance penalty; further if the character is taking a physical action which the GM determines is precarious or awkward the Character must make a DEX or Skill Roll at the listed penalties to avoid falling over or otheriwise inconveniencing themselves at the GM's discretion. These penalties can be counteracted with the use of Penalty Skill Levels.
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