Your spreading your skillpoints a bit to thinly and if you will incur a XP penalty of 20%

Fighter/Rogue = Yes
Cleric/Monk = Yes
Fighter/Monk = Yes

To aviod XP penalties try to keep only two base classes and if you want a third class use a prestige class.

[ 01-26-2005, 10:39 PM: Message edited by: T-D-C ]

How does the XP penalty systen work? I'm not too concerned about being penalised, just means I get a lot more gaming before I attain ultimate power!!!