If the armor encumbrance indicates that your character is wearing more armor than he or she comfortably can, then your spell failure is most likely an effect of being over-encumbered by armor. In order to wear armor and not be adversely encumbered by it, your character must have the armor skill. If you put on extra armor, it will not aid your character, but will actually slow them down, as well as make their weapon blows less effective. Additionally, if your character is wearing too much armor, spells become harder to cast and your character will not get the full benefit of his Dexterity skill when being attacked. There is one main set of coins used almost universally in Vormis.
Imperials are the smallest value of coin, made of a copper alloy.
Degnar are made from a silver alloy and are worth 12 Imperials. Larn are made from gold and are worth 20 Degnar. A small platinum coin, the Prox is considered the highest of all coin denominations in this system. Prox are worth 5 Larn each. Most of the prices you will see in Vormis are displayed in Imperials.