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