Natural Armor: Some monsters have skin that acts like armor. It can be refit in sixty seconds. Creatures with natural armor who are wearing another source of armor (such as a physical suit or Arcane Armor) must choose one and only one source of Armor to use at a time; switching will require a full refit. Natural Armor is not subject to the restrictions for physical armor. Note that a “Shatter Armor” effect will reduce a suit of Natural Armor to 0 Armor Points until it is refit, just like a physical suit of armor.