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The first thing you do when you take damage (or are hit by a spell call) is check to see if you have any immunity effects. So if you are hit for "4 Poison" and you have the spell Poison Immunity up, it will prevent that damage and you will not proceed any further in taking damage. An ability such as a damage requirement would also be checked at this time. A "No Effect" call must be made whenever an attack successfully hits you but does not inflict damage (or does not take effect in the case of spells) so that the attacker knows-that-you-know the attack successfully hit and so that they know they may need to attack with something different.
After you have checked for immunity effects you check to see if you have any limited use prevention effects. These are often called "one time" effects because they generally only work once. One example of such an effect is from the spell spirit shield. Remember to call ''No Effect" if the damage is prevented outright by an effect.
At this point damage is going to be dealt in some form. Characters have four possible pools that damage might be applied to before the character takes a wound. Those pools are magic armor, physical armor, natural armor, and body. Damage is always applied to magic armor first, physical armor second, natural armor third, body fourth and finally as a wound last. If the damage has the "Pierce" trait it cannot be applied to any type of armor.
Applying damage to a pool is done on a one-for-one basis. For example if an attack deals 4 damage and have 2 magic armor, 1 physical armor and 3 body, after the damage is dealt you will now have 0 magic armor, 0 physical armor, and 2 body remaining.
Damage is applied in the following order:
- On-going prevention effects (Such as immunity or damage requirements)
- One time prevention effects (Such as spirit shield)
- Damage reduction effects (Such as the monstrous rule)
- Magic Armor
- Physical Armor
- Natural Armor
With defenses a relevant immunity applies before any one-time effects apply.
If a character has two different one-time effects that both prevent an attack the higher level one applies first. Should two one-time effects be the same level, the one that is more limited in what it applies to is used first.
The following spells and effects may never stack with each other:
- Poison Immunity Spell
- Primal Form Spell
- Battle Mastery Spell
- Nature Immunity Magic Items
- Mind Blank Spell
Monstrous Armor, the Pierce Call, and Body
A character has 4 points of monstrous armor and 4 points of body. They take 4 Pierce damage. After the damage is taken they will have 4 monstrous armor remaining and 0 body. Nothing is reduced by the monstrous armor because the armor was bypassed completely.
A character has 2 points of magic armor and armor granting 3 points of monstrous armor. If that character is hit for 4 damage it is applied to the magic armor first, reducing the magic armor to 0. The remaining 2 damage is then applied to the monstrous armor, which reduces the TWO damage to one. After the damage is dealt the character now has 0 magic armor remaining, and 2 points of monstrous armor remaining.
Some effects like ablative armor can cause you take damage in a slightly different order. The effect will explain what changes it makes to the order damage is taken.
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