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add the hit chance of all the party members together and then devide by the number of players. The total will give u the average to hit of the party. Base the ac of monsters of this average to hit. If u want fight tougher then up ac a tad above average and if u wand fights to be weaker then lower ac a tad from average.
When determining the hit chance of a monster use same formula except instead of party to hit u use there ac.