My resists are below 0!!!!
Having seen this problem in game a few times lately, here is a trouble shooting guide for this problem.
There are spells that lower your resists in exchange for other benefits. They are permanent effects unless re-cast. Sort of like a switch, cast once to turn on, cast again to turn off.
1) Did you ever equip an item (usually a shield) that said "protection" or "magic reflect"? These act just like the spells, and lower your resists for other benefits. SOLUTION: Re-equip the item, OR get a scroll for that spell and cast on yourself.
2) Were you training magery? Many current training suggestions include casting "magic reflect" on yourself at level 6. SOLUTION: Cast Magic reflect again.
3) Were you in a party and someone cast "arch-protection"? This is kinda hard to prove, as you may not be familiar with the particle effect. This is a known technique that some PvP'ers (the bad kind) employ. They party you, cast arch-protect to lower your resists, then disband party and kill you. You take ALOT more damage that way. SOLUTION: (1) dont party with people you do not know in Felluca! (2) use a scroll to cast protect and / or arch protect on yourself to turn it off.