Level progression: Given the various multiclassing systems in d20-rolling fantasy games over the years, we should be clear that you gain levels like any other character. When you level up to be, say, a 3rd level fighter/wizard, you’re a 3rd level character, with 3rd level hit points and three feats (unless you’re human, in which case you’ve got four). You add your level (3) to your attacks, to your defenses, and to your skill checks. You level up as fast as other characters and you never have to worry about gaining specific or separate class levels.

Talents as a 1st level character: Choose one talent from each of your two class choices. Then choose your third talent from either of those classes.

Class features: Many classes contribute all of their class features to a multiclass. Others only allow some class features, or limit you from taking some talents or feats.

Basic attacks: You have the basic attacks from both your classes.

Hit Points: Your hit points are the average of your two classes.

Recovery dice: Average the dice from both classes, then round up to the next higher die size.

Armor and AC: The good news is you use the highest base AC provided by either of your classes for whichever type of armor you are wearing. The bad news is that attack penalties for wearing shields or heavy armor while using attacks and spells from classes that have penalties fighting in heavy armor or with shields don’t go away.

PD & MD: Use the best PD and MD from either of your classes. Yes, a rogue/wizard ends up with a base PD of 12 and base MD of 12.

Weapon attacks: You get the benefit of using the better weapon attack abilities among your two classes.

Weapon damage penalty: Most multiclass characters must drop all of their weapon damage dice down one step.

This reduction does NOT apply if your multiclass contains only classes from the following list of skillful warriors: barbarian, bard, commander, fighter, paladin, ranger, rogue.

Feats: You can choose feats from either of your classes. You gain one feat per level like everyone else.

Bard Multiclass
Level progression: You lag one level behind in the battle cries and spells/songs known columns of the Bard Level Progression table.
As a 1st level bard, you start with only one 1st level battle cry and one 1st level spell or song.
As usual, the Battle Skald or Spellsinger talents could still add a battle cry or spell/song to what you’re getting as a multiclass bard.

Rogue Multiclass
Level progression: You lag one level behind in the Powers Known and Pool Available columns of the Rogue Level Progression table.
At 1st level, you know 3 powers, all of them from the 1st level pool.
No double sneak: Combining your Sneak Attack damage with attacks from other classes remains off-limits. On the other hand, it seems fair for a rogue to sometimes gain momentum with non-rogue attacks through the following feats.

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