Just a quick question, and likely just a Bioware thing.

Is the multiclassing penalty supposed to be 20% flat, or 20% PER class? Currently it looks like a 3/1/1 with no favored class gets a 40% penalty.

Likely just the way the engine calculates it, but making sure thats not intentional, as it should only be 20% (since the 2 level 1 classes are in range, just the 3rd level is not).