I modify RAW by rolling a 1D6 for every term that isn't of a fixed duration (ie a 4-year college or 2-year Army enlistment). I justify this by saying sometimes you "do the daily grind day in and day out on autopilot" (for a roll of 6) to "you have an eventful term (for a roll of 1). Thus my ages can vary wildly just by introducing the D6 as a "randomizer."
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