Great White Games/Pinnacle Entertainment Group

[Red Mercy]

As usual, thanks for answering my questions. I know I have a lot of 'em. Fortunately, I'm getting this thing figured out pretty well, so it' only a matter of time before I'm an expert
Anyway, three more questions:

First of all, I noticed that, with heavier armor, nothing is stated in the way of penalities to certain actions where the armor's weight may be a factor (such as climbing, swimming, even spellcasting, etc.) My take is to apply penalities on the fly, such as perhaps a -4 for a character to swim while wearing plate. And that seems to work pretty well, but I'm just wondering if there's a more concrete way of figuring this out.

Secondly, with regards to the "raise (lower) trait" spell -- does learning this spell allow you to affect any trait with just the one spell, or do you need to take this power each time for each trait you wish to be able to affect? i.e., once to be able to raise str, another for fighting, and so on.

Finally, looking at certain enemies in the game... I'm assuming that, unless otherwise stated, they do do bonus damage if they hit with a raise just like players can. However, certain creatures have other effects -- for example, a dire wolf that hits the target's least-armored location. Is this effect applied in addition to the 1d6 bonus damage, or instead of it?
As usual, thanks!

[Clint]