Template:MeditationPenalty

Armor Location Penalty

Shield	Chest	Legs	Arms	Helmet	Gloves	Gorget
35%	35%	22%	15%	14%	7%	7%

Armor Material Penalty

Image	Material	Penalty
	No Armor, Leather Armor, Buckler, or Wooden Shield	0%
	Studded Armor or Wooden Kite Shield	20%
	Bone Armor or Metal Shield	40%
	Ringmail Armor or Bronze Shield	60%
	Chainmail Armor or Metal Kite Shield	80%
	Platemail Armor, Heater Shield, or Chaos/Order Shield	100%

Example

A player wearing a suit of all studded leather but with a platemail gorget would have:

(.35 * .20) + (.22 * .20) + (.15 * .20) + (.14 * .20) + (.07 * .20) + (.07 * 1.0)) = 25.6% Total Armor Penalty.

Which would result in a (2 * 25.6%) = -51.2% effect on their Mana Regen rate.