Armor check penalty

Armor Check Penalty is a penalty to skills due to the restrictiveness of certain armors.

The following are subject to Armor check penalty:
 * Balance
 * Hide
 * Jump
 * Move Silently
 * Tumble
 * Swim is subject to double the standard Armor check penalty

Carrying capacity
Carrying capacity also can cause an Armor check penalty.


 * Medium encumbrance causes a -3
 * Heavy encumbrance causes a -6

Note that medium encumbrance does not give any visual feedback, except that you run slightly slower. This may lead to unexpected deaths while swimming.

Non-proficiency with a certain armor or shield will apply the armor check penalty to all attack rolls, Strength based skills and Dexterity based skills. Non-proficiency penalties from armor and shields stack.