Information provided at Evaluating Intelligence - UOGuide, the Ultima Online encyclopedia is somewhat misleading: Currently the formula only gives you 110 defensive ability for 100 in both. If the text is right, then the formula should look like: (Evaluating Intelligence + Anatomy) / 2 + 20 And what if I have 120 each? Do I have 140 def. ability then or ist it capped at 120? Now what does stratics say? Well, no formula at all. And what about empty-handed combat? Does that mean I cannot even equip a (spell)book, if I want to rely on this defensive ability?