Each of the following Armor Locations receives a value of one Armor Point multiplied by the material value and coverage. No location can be assigned a value lower than zero.
Hands/Forearms: This includes the area from the tip of the fingers to elbow. Covering only one hand/forearm lowers the number of points awarded by one, as described below.
Upper Arms/Shoulders: This includes the area from the elbow to neck. Covering only one upper arm/shoulder lowers the number of points awarded by one, as described below.
Feet/Lower Legs: This includes the area from the toes to the knee. Covering only one foot/lower leg lowers the number of points awarded by one, as described below.
Upper Legs/Groin: This includes the area from the knee to the waist. Covering only one upper leg lowers the number of points awarded by one, as described below.
Each of the following Armor Locations receives a value of two Armor Points multiplied by the material value and coverage. No location can be assigned a value lower than zero.
Belly: This includes the area from the waist to the bottom of the sternum.
Upper Chest: This includes the area from the bottom of the sternum to the neck.
Back: This includes the entire back from the waist to the neck.
Head: This includes the area from the back of the neck to the forehead.