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actually, the Cloak also protects against area effect spells, even when they're NOT centered on you! it's not supposed to, but it does; probably a bug. I'm not sure though, wheter it just protects you from damage or if it actually reflects it back to the caster.
it does not however protect against non-damaging spells like various Powerwords or Symbols and other mind influencing spells, even when they are centered on you. Dispel Magic, Breach, Lower Resistance... and the like also get through.
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