When a young adventurer achieves his 20th level, many things in his life change, mostly for the good. He gets the right to use a surname, and the social recognition this entails. One rite of passage that remains is the acquisition of his class armor.
Class armor quests are given in Qeynos and Freeport, but are available to characters from all cities. The armor has a distinctive look, and is a suitable upgrade from Timorous Deep armor. All armor quests are soloable, except for the last quest, which (in some cases) has one heroic monster to be killed. The armor is all equippable at level 20, although the quests go up to level 25 in difficulty.
The NPC that gives your armor quests depends upon your class and alignment. See the following table.