[HOE] newbie questions

[a a <derfenrirwolv@yahoo.com>]

Hi, I'm new and so is my entire group. As you can
expect with none of us having played before, we've
been running into a couple of questions. 

Chips and buying rewards. Are chips recorded on your
sheet under  "chips and grit" the same as chips in
your hand? Ie can they be used to reduce damage,
reroll dice etc.   Do they count against the 10 chip
limit you can have? If so, is it possible to "bank"
points towards expensive purchases. (otherwise, you'd
need 6 legend chips and 4 blue chips to get your die
type up to d 12!) 



First off, How do armor peircing rounds affect armor
values like -2, or -4 like a tough skinned mutant or
boiled leather pants? 

I know how they go throug positive armor values like
kevlar.

thanks 

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