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Message: <blockquote data-quote="wlmartin" data-source="post: 5619354" data-attributes="member: 6679380">When 1 type of damage is concerned (ie Fire or Thunder) the best resistance you have to counter that kicks in.So if you have Resist All / 3 and Resist Fire / 5 ... And are attacked with a Fire attack, the first 5 points are soaked up your resistance... not the first 8. However if you are attacked by Thunder, since the only relevant resistance here is Resist All, you get the first 3 soaked up.When multiple combined type is concerned (such as a Fire & Thunder attack) providing it is combined and not 2 separate attacks (for example Tiamat has a Combined attack for all heads as 1 attack) then you need resistance to all of the types (or a resist all) and if these values are difference (ie Acid / 3 and Fire / 2) it is the lowest value that is considered.. weakest chain in the link mentality works here.</blockquote>Insubstantial applies at the end after damage calculation.So if in your example you have 10 resist and are hit by 20 fire, you resist the first 10 points of damage leaving 10 left... assuming no other modifiers kick in then you take 10 damage... however if you have insubstantial this kicks in just before you take the damage meaning you take 5Hope this explains it[/QUOTE]