[jeff_wilson]

Regarding the all-able bodied world: If ST, DX, IQ, and HT are independent random variables each with standard distributions and medians of 10, and with the majority of the population having values falling in the intervals [8,12] respectively (p.B14) , the standard deviation would be about +/- 3. This would mean that a value of 9 in any one of ST, DX, IQ, or HT will divide the population into 37% with 9 or less, and 63% with more.

This means that even generously rounding up all fractions you have at most 67% of the population with a score of 10 or better in any one score, and if you include only people with at least 10 in all four stats, you're left with 67% of 67% of 67% of 67%, or a bit less than 16% of the original population.

This also means that 13% of the original population will have a score of 10 in a given stat. To have an average score of 10 over all four attributes without any scores of 9 or less requires all for to be 10, and of the original population, 13% of 13% of 13% of 13% or about 0.03 percent will qualify.

It was inaccurate of me to say that everyone was above average; only 99.8% of Stephan's NPCs are above average.