Monks use no armour. They have a +3 bonus to Physical and can fight unarmed (kicks, punches, etc) doing d6 damage (STR bonus to damage still applies). Their unarmed damage increases every four levels starting at the fourth level as shown in the following table:
| Level | 1-3 | 4-7 | 8-11 | 12-15 | 16-19 | 20 |
| Damage | 1d6 | 1d8 | 1d10 | 2d6 | 2d8 | 2d10 |
Their attacks count as magical after 3rd level.
They gain an AC bonus equal to half their level (rounded up) provided they are wearing no more than loose fitting clothes.
| Level | 1-2 | 3-4 | 5-6 | 7-8 | 9-10 |
| AC Bonus | +1 | +2 | +3 | +4 | +5 |
Ninjas are the same as Monks, but gain +3 to Sub instead of the +3 to Phys.
Monks can use DEX bonus + level instead of STR bonus + level as melee attack bonus if unarmed.
Additionally, the following may be applicable for some campaigns:
Monks make multiple attacks per round by taking -2 on the first attack, -4 on the second attack, and so on, as long as their melee attack bonus is positive.
Example: Mu Ehr is a 5th level monk with STR 12/+1 and DEX 18/+4. He uses DEX based Gong Fu to fight and thus has a melee bonus +9 for a single attack. When using a Flurry of Blows, he has four attacks at +7/+5/+3/+1. He deals 1d8+1 points of damage when he hits. His AC is 17.
His older brother Chen Dong is a 5th level monk with STR 17/+3 and DEX 15/+2. He uses STR based Iron Fist moves and has a melee bonus of +8. When using a Flurry of Blows, he has three attacks at +6/+4/+2 (there is no +0 attack). He deals 1d8+3 points of damage when he hits. His AC is 15.
Classes
