Does the armor check penalty apply to Reflex saves?
Nonproficient with Armor Worn: A character who wears armor and/or uses
a shield with which he is not proficient takes the armor's (and/or
shield's) armor check penalty on attack rolls as well as on all
Dexterity- and Strength-based ability and skill checks. The penalty
for nonproficiency with armor stacks with the penalty for shields.
Are Reflex saves considers a dexterity-based ability?