hmm ill say fact
Upper sections of the arms must be completely covered. The elbow has the same halachos (law requirements) as the upper section of the arm and must be completely covered. In fact, the elbow is a "ball and socket" area, the "ball" being the rounded end of the bone of the upper arm, and the "socket" the top end of one of the lower bones of the arm (the radius). Hence the upper limb of the arm occupies a substantial part of the elbow. Since the upper section of the arm must be covered and it extends into the elbow, it is understood that the complete elbow must be covered.