APCs receiving DF & BF?

[Grognard Gunny]

Rule 7.41 reads: Direct fire and bombardment fire affects all units in the target hex except for AFVs. AFVs (and anything loaded on APCs) are only affected by an "x" or "#X" result. (Which would give the troops loaded on open top APCs the same protection as that of a tank!)

I don't think this is right. SOME additional combat "penalty" should be afforded troops carried in open top ACPs. I just haven't figured out what that penalty is just yet and if there exists a rule to handle the situation.

GG