Armour Encumbrance: Load = Prot/4,
never less than 0.5. Round load to the nearest whole or half number.
Round down if the armour is Expensive cost. Round up if the armour
is Standard cost. Round up and add 0.5 if the armour is Inexpensive
cost. ie A suit of half protection Steel Scale Armour would be a
load of 7/4= -2.25 -> rounded up to -2.5. Armour can
be specially constructed to change the load, shifting the cost and the
affect on load ie the suit of half protection Steel Scale Armour could
have a load of -2.0 but the cost would move up to the 'expensive' catagory,
or it could have load of -3.0 and the cost would move to the 'inexpensive'
catagory.