The -5 on the HoC, is countered with AP. With AP trained it only counts as a -2. This is apparent when I was experimenting and unlearned my AP and I was like whoa I'm missing 3 ac where did it go... and that's the answer.
:P
Made me chuckle.
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<a href="/bboard/q-and-a-fetch-msg.tcl?msg_id=002j9K">Funny random observation about HoC</a>