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20% for each class that is more than 1 level apart. Favored class is not included in the calculation.
A dwarven F4/C2/T1 has no penalty (F is favored)
a dwarven F4/C3/T1 has 20%
A dwarven F4/C3/T1/W1 has 40%
and so on and such .....
The penalty stays until all non favored levels are with in one level
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[url]\"http://www.duryea.org/pinky/gurkin.wav\" target=\"_blank\">AYPWIP?</a> .... <img border=\"0\" alt=\"[1ponder]\" title=\"\" src=\"graemlins/1ponder.gif\" /> <br />\"I think so Brain, but isn\'t a cucumber that small called a gherkin?\"<br />  <br />Shut UP! Pinky!
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