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Originally Posted by MA91
Example: Arm Lock (p. 65) targets the arm, which has a
hit location penalty of -1 for grappling purposes, making the
basic default penalty -1. It gets another -1 for being able to
inflict ongoing injury. These penalties total -2. However, the
initial grapple takes an extra turn (+1) and requires an
attack roll (+1), adding +2. The net default penalty is +0.
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This explains why Arm Lock defaults to Judo+0. Note that the Hit Location penalty is already accounted for, just like in the case of Eye-Poke, the -9 penalty for targeting the eye is already part of the Technique.