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To expand on what ZFR has said, your character's THAC0 is the "to hit Armor Class zero". To find your to hit number, subtract the enemies armor class from your THAC0.
With a 20 THAC0:
AC 10- 20-10=10 to hit
AC 0- 20-0=20 to hit
AC -10- 20-(-10)=30 to hit
A roll of 20 always hits, and 1 always misses.
Rangers are always fun, but I'd only take one since you will be at a shortage of magic weapons later. From your interests and from what I think you need, here would be a good party:
Paladin (human, longswords)
Fighter (dwarf, axes)
Ranger (elf, longbows and swords. remember that they can get an extra attack by wielding a single one-handed weapon!)
fighter/thief (halfling, shortswords and bows)
Mage (human or gnome)(I'd recomend general, though Illusionist and Necromancer are also competant)
Cleric (human, hammers)
This gives you a very versatile party. You have four solid warriors, a thief, a mage (keep with it, trust me, it WILL be worth it), and a cleric (same as mages, these guys get nice spells later. They can also fight!)
For the mage and cleric, be sure to max their respective attributes- 18 INT for the mage, 18 WIS for the Cleric.
Good luck!
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