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Fragment of a discussion from Talk:Stats
I'm not sure about negative critical, but saying Mabinogi does not allow negative stat values is not true. You can have negative magic attack or negative magic protection if naked and int is below 10. Same is true for Magic Defense if will is below 10, and Defense if str is below 10 and you did not rank Defense.
On a semi-related note. Through testing of something that shall not be named (no not a certain hack we all know and hate), it is found that if your stat goes too high or too low, it becomes negative. (Yes too high.)