Some armor, because of their bulkiness, weight, or rigidity, apply penalties to some actions. If they exist, these penalties are described with the armor type.

Class I
   This is the least effective of personal body armor. It is a thick, often cumbersome "fabric" that uses multiple layers of material to absorb the impact of an attack. Class I body armor pieces tend to be very warm when worn, except in cooler temperatures. Class I is generally rated up to protection against a .32 Auto round and cannot be repaired.
   Time frame: Early 1900's
   Availability: Common
   Protection: 8
   Penalties: For arm, hand, or leg pieces, -1 to Agility-based actions using the arm, hand or leg the armor is worn on.

Class II
   Class II armor is comprised of a woven polymer fabric, like Kevlar or similar material. Its fibers are extremely resistant to cutting or tearing, and the armor pieces are fairly light and flexible. The thin mesh, though, actually provides less protection against electrical attacks than the thicker padded armor. Class II ballistic mesh is rated up to .45 caliber handgun slugs. Class II armor cannot be repaired.
   Time frame: Mid 1900's
   Availability: Uncommon
   Protection: 15
   Penalties: None

Class III
   These types of body armor are ballistic mesh with rigid steel or ceramic plates offering additional protection to numerous "vital" spots. Also, the interconnected steel pieces grant improved resistance to electrical attacks from tasers and stun guns. Such Class III steel reinforced body armor can handle .44 Magnum rounds, as well as some intermediate rifle calibers. Class III body armor can have its metal plates replaced, restoring its Armor Structure. The cost generally runs about $20 per point of armor structure restored.
   Time frame: Mid to late 1900's
   Availability: Rare
   Protection: 20
   Penalties: For arm or leg pieces, -1 to Agility-based actions using the arm or leg the armor is worn on.

Pricing Chart

Armor Type	Name	Body Parts Covered	Armor Structure	Cost
Class I Body Armor	Helmet	Head	5	$50
	Riot Helmet	Head, Neck	6	$65
	Collar	Neck	2	$30
	Vest	Torso	12	$85
	Upper Arm Guard	Upper arm	3	$50
	Elbow Guard	Elbow	2	$30
	Lower Arm Guard	Lower arm	3	$45
	Full Arm Armor	Upper arm, elbow, lower arm	7	$100
	Glove	Hand	2	$60
	Thigh Guard	Thigh	5	$50
	Knee Guard	Knee	2	$30
	Shin Guard	Lower leg	3	$45
	Full Leg Armor	Thigh, Knee, Lower leg	9	$100
	Combat boot	Foot	3	$40
	Knee-high boot	Lower leg, Foot	5	$60
Class II Body Armor	Helmet	Head	6	$80
	Riot Helmet	Head, Neck	5	$100
	Collar	Neck	3	$45
	Vest	Torso	16	$120
	Upper Arm Guard	Upper arm	4	$75
	Elbow Guard	Elbow	3	$45
	Lower Arm Guard	Lower arm	4	$65
	Full Arm Armor	Upper arm, elbow, lower arm	10	$150
	Glove	Hand	3	$100
	Thigh Guard	Thigh	6	$75
	Knee Guard	Knee	3	$45
	Shin Guard	Lower leg	4	$65
	Full Leg Armor	Thigh, Knee, Lower leg	12	$150
	Combat boot	Foot	4	$60
	Knee-high boot	Lower leg, Foot	7	$90
Class III Body Armor	Helmet	Head	10	$200
	Vest	Torso	20	$400
	Upper Arm Guard	Upper arm	6	$200
	Lower Arm Guard	Lower arm	5	$200
	Thigh Guard	Thigh	8	$250
	Shin Guard	Lower leg	6	$200

[6.2.1] Advanced Armor Table