Effects: 

If you are unarmored you can use your defense trait stat as physical armor and spirit trait stat as magical armor. 

Requirements: 

be a yeti

Handicap Cost: 

Magically Challenged: It isn't that the yeti can't use magic, some yeti shamans do. It is that they struggle to use magic, it comes harder for them. They have a -2 to all arcana checks for spell casting. 

Talent Type: