Originally Posted by danielmayer
What would inline mean: He shouldn't be lvl 16, because of 10% XP malus due to violation of multiclassing rules.
Human = highest class does not count; all other classes shouldn't be more than one level apart.
With your combo he'd have the 10%malus for at least three level ups, which IMHO forbids a total of 16 levels.
What does your humble opinion say about Belkar being level 16?
(Twelfth level was a barbarian level; Belkar has had the experience point penalty--which is 20%, not 10%--ever since then.)