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For example, let’s say that there’s a 1 in 100 chance of a ,000 claim, a 1 in 1,000 chance of a ,000 claim, and a 1 in 5,000 chance of a ,000 claim, per year.So if those are the only risks to worry about, the average claim per year per customer would be .

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Right away, you’ll notice that the chance that something will happen in those three years is smaller than you would get by just adding three lots of the 1% chance together.

In the 100th year, the chance that it won’t have happened yet is still 36.6032341273%!

That’s followed by EL-2, EL-1, EL, EL 1, and so on all the way up to “Encounter Level plus three or more”.

The term “Encounter Level” refers to the EL of the PCs, collectively.

The answer (again) is to use the experience-point equivalent of the level, instead of the level directly: 1000, 2000, 3000, and so on.

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