Adds to DR when wearing armor and decreases physical penalties when wearing armor.
DR = (Armor Rating x 3) + Armor Skill + Thickness Skill + (Endurance Modifier x 3)
When wearing armor, characters take a penalty to all strength, dexterity and endurance skills checks (but not derivatives and passive skills)
Penalty* = (Armor Rating) - Armor Skill
- penalties resulting in bonuses are nulled
