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Message: <blockquote data-quote="irdeggman" data-source="post: 2985512" data-attributes="member: 16285">There are some things in the rules that can be made to apply, IMO.For verbal component spells:Now it is harder to hear (at least understanding wise) under water but not the exact same as being deafened so I would use roughly 1/2 the penalty - 10 % ASF chance.For somatic components:It is harder to make gestures, etc.  Roughly the equivalent of weraing light armor.So somewhere between 5 and 20% ASF. I would say closer to padded so 5% ASF.  Saying it is like wearing light armor is important becasue there are classes that don't suffer an ASF for casting in light armors - so they should not suffer any additional penalty when underwater for spells with somatic components.Now ASF penalties are cumulative so the ASF would be:10% (verbal) = 5% (somatic) = 15%This is just my making up equivalents though.And of course you still need to account for penalties on holding your breath for taking actions.</blockquote>