Underwater Action Penalty

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Quite apart from the potential difficulty of breathing, all gross physical actions underwater (except for Swimming, obviously) suffer from a -5 penalty due to the relative density of the medium compared to air. Principally this applies to underwater combat, with both Attacks and Defences penalised. Thrusting Attacks and Guards are partially exempt from this penalty however and suffer only a -2 AM instead of the full -5.