The Crusader (Tome of Battle) is applying its 2nd-level ability, Indomitable Soul, at level 1.
Create a 1st-level Crusader with 10's for Dex, Con, and Wis, and an 18 Charisma. You'll end up with saves of +6 Fort, +4 Ref, and +4 Will, when they should be +2, +0, +0 respectively.
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