Swim (D&D skill)

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Unofficial rules compendium

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Water Rules

• The surface of the water provides Complete Concealment (50% miss chance) to attacks going either up or down because of diffraction.
• A land creature underwater or a sea creature in air suffers from distorted vision. This means all targets get the benefit of Concealment (20% miss chance). Any kind of adaptive magic overcomes this penalty, as does a pair of goggles. Someone with 5 or more ranks in Swim can also overcome this penalty.