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Holdout is the GURPS skill that allows you to conceal things on your person.
A medieval crossbow is a -6 penalty to your holdout skill.
Being naked is a -7 penalty to your holdout skill.
That this means is a normally clothed person has an extremely good chance (74%) of concealing a crossbow on their person with a skill of 18.
It also means that a naked person with a skill of 18 has a chance at all (a bit less than 5%).
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