The creature's
clothing, including undergarments, belts, and footwear, loosen and fall
off its body, leaving it naked. Non magical jewelry, including rings,
earings, and necklaces also fall, sliding off as if covered in grease.
Objects that are held remain in the creature's grasp, as well as magic
items that are worn. A creature wearing non magical armour must make a
reflex save or half their armour bonus, round down due to the clumsy
way in which it dangles off the body. It takes half the time o refit
armor loosened this way s it takes to don it completely. It takea a
full-round action to don regular clothing.