Naked Agility (D&D)

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Unofficial rules compendium

A character that wears no armor, shield, shoes, gauntlets and only minimal clothes similar to a monk's or entertainer's outfit and whose total encumbrance does not exceed 1/10 of her light encumbrance limit qualifies gets a +2 bonus on all skills affected by armor penalty. In effect, you have a positive armor penalty. This affects Balance, Climb, Escape Artist, Hide, Jump, Move Silently, Sleight of Hand, and Tumble checks, and a +4 bonus on Swim checks.