Mounts add their armour factor to their rider. So says the rules on page 61. This includes Ardent mounts.
Yet mounts armour scores diminish if they are used as mounts somehow.
Take Fram for instance as a separate creature it's armour is 7+ added to its constitution of 25 equals a total of 32.
As Pendas mount it is 5+ which in the C+A states 55, but this is wrong as pendas C+A is 72 plus the additional mounted A should be 75. Well actually It should be 77 but not sure how the 2 points get missed on switching under Pendas total.
This doesn't seem to have happen for all the other mounted characters, that I have armies for as their totals add correctly.
Over to you Rob....
