I think I understand this, but let me make certain.  An ability bonus, (Such as Agility or Toughness) is equal to the Ability divided by 10, rounded down...<br/><br/>And a toughness bonus is subtracted from... all hits against you... or the first hit in a round... or against most, but not energy... are any of these ideas correct?  And where does penetration come in<br/><br/>Um... Yup.  I'm still working on it.  Hope I don't fly us into a star.