>>542682601
I think so but I'm not an expert so I don't know what the exact effects are. I remember, though, that, for example, say Front F is a huge 90% penalty but skills are still activated at the same base amount of Wit that your uma has. Also I think your math is almost correct but instead of 40 it would be more like 45~ because you have to take the penalty from the base amount, and not scale after the penalty is applied. 400 / 0.9 = 444.4444, to avoid rounding shenangians then 445 so +45. This is assuming that there are no other hidden mechanics.