DR (pad - padding; AM - Arnor mastery):Skull: 4(-1 cr) + 6*(-2 cr) +2 (bone) +1 (AM)Face: 1 on d6 -> 4(-1 cr) +1 (AM)Neck: 6*(-2 cr) +1 (AM)Torso: 6(-1 cr) +1* (pad) +1 (AM)Chest (9): 3*(-2 cr) + 6(-1 cr) +1* (pad) +1 (AM)Arms: 5 + 1* (pad) +1 (AM)Hands: 3 + 1 (AM)Legs: 5 + 1* (*pad) +1 (AM)Feet: 5 +1 (AM)