4E idea for encumberance

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Okay, I've had this idea for encumbrance for about half a year now. Everything is check penalty (drop the word "armor").

Armor give check penalty, shields give check penalty, weight encumbrance as by strength gives check penalty, even awkward items could give check penalty. In addition to the standard places where check penalty applies (str and dex skills), have a few benchmark points that give additional penalties, such as:
0 to -4: no extra penalties
-5 to -9: 3/4 speed, max dex +6
-10 to -14: 3/4 speed, max dex +4
-15 to -19: 1/2 speed, max dex +2
-20 or higher: 1/2 speed, max dex +0