No Arms

The phrase "no arms" appears in the Quadruped morphology Meta-Trait on B263, which includes No Fine Manipulators.

This, at first glance, appears to be a problem because NFM does not actually remove arms, it removes hands. That is until you look at other rules in GURPS:

• "In GURPS, a limb with which you can manipulate objects is an arm, regardless of where it grows or what it looks like." An unusually dextrous leg that can manipulate objects is considered a Leg with the Foot Manipulator disadvantage ([-3] up to two legs) or limitation (-30% when appplied to extra legs)
• "If you can walk on a limb but cannot use it to manipulate objects, it is a leg in GURPS. [...] The human norm is two legs, which costs 0 points. It costs points to have more than two legs"
• "Example: You can use your feet as hands, but can’t walk while doing so. This is Extra Arms 2 (20 points) with Temporary Disadvantage: Legless (-30%), for 14 points."

So what Quadruped is really doing is turning two limbs from arms into legs but things are bizarre

One Hand is -15 while One Arm is -20.

Since NFM is -30, No Arms perhaps ought to be -40, which is still less than No Manipulators at -50.

At bare minimum it should be worth at least -36 since that is greater than the sum of 1H+1A which would give a 1-armed character whose single arm is missing a hand.

http://forums.sjgames.com/showpost.php?p=2129428&postcount=10 Kromm indicates it should be worth MORE than taking "One Arm" twice, so somewhere between 41-49. His suggestion to just use the -50 for No Manipulators seems wrong because legs are still useful in a limited way for manipulating things.