Ac-apply

Ac-apply is how protective a piece of equipment is, represented by how much in increases your armor class. Ac-apply is different from the similar item affect armor in that ac-apply receives an additional multiplier based on the wear location of the object. The bonus is as follows:
 * Head: x2.5
 * Neck: x1
 * Arms: x1
 * Wrist: x1
 * Finger: x1
 * On body: x3
 * About body: x2
 * Waist: x1
 * Arms: x1.5
 * Legs: x2
 * Feet: x1
 * Held: x0
 * Wielded: x0

Equipment with the type armor and contructed of metal typically have higher ac-apply than normal. Also it is possible for some types of items to be enchanted for higher ac-apply using the warrior skill reinforce armor.