press Q to check .. n ye they combined
yes u hv to put blue rares for yr ac .. n blue rares means the rares u make ..max hardest = G20
white rares dont hv a max its based on yr armour n for red rares
red rares u hv to loot from monsters ..it wont max too..so after u make g20 hardest .. u probally need some AC from red rares to gain more AC


