Hallo,

I've made a table, based on info from a PDF. I'm trying to make it make sense, and to neither leave out information nor overdo it for other user agents. What I have (tried to translate well Engrish):

Code:
<table summary="Plus/Minus Level, the movement between levels after a claim, and the amount of total premium in percentages">
  <thead>
    <tr>
      <th abbr="damagefree years" scope="col">Plus/Minus Level</th>
      <th abbr="percent" scope="col">Premium percentage due</th>
      <th abbr="in 1 policy-year" colspan="4" scope="colgroup">Going to another +/- level: after 1 policy-year</th>
    </tr>
    <tr>
      <th></th>
      <th></th>
      <th scope="col">without claim, to level:</th>
      <th abbr="after 1 claim" scope="col">With 1 claim, to level:</th>
      <th abbr="after 2 claims" scope="col">With 2 claims, to level:</th>
      <th abbr="after 3 claims" scope="col">With 3 claims, to level:</th>
    </tr>
  </thead>
  <tbody>
    <tr>
      <td scope="row">19</td>        
      <td>25</td>           
      <td>19</td>         
      <td>14</td>           
      <td>8</td>          
      <td>1</td>
    </tr>
    <tr>
      <td scope="row">18</td>        
      <td>25</td>
      <td>19</td>
      <td>13</td>
      <td>7</td>
      <td>1</td>
    </tr>
    <tr>
      <td scope="row">17</td>
      <td>25</td>
      <td>18</td>
      <td>12</td>
      <td>7</td>
      <td>1</td>
    </tr>
    <tr>
      <td scope="row">16</td>
      <td>25</td>
      <td>17</td>
      <td>11</td>
      <td>6</td>
      <td>1</td>
    </tr>
    <tr>                      
      <td scope="row">15</td>
      <td>25</td>
      <td>16</td>
      <td>10</td> 
      <td>6</td>
      <td>1</td>
    </tr>
    <tr>                                             
      <td scope="row">14</td>
      <td>25</td>
      <td>15</td>   
      <td>9</td>           
      <td>5</td>          
      <td>1</td>
    </tr>
    <tr>                         
      <td scope="row">13</td>        
      <td>30</td>           
      <td>14</td>     
      <td>8</td>           
      <td>4</td>          
      <td>1</td>
    </tr>
...removed a big middle here of more of the same...
    <tr>
      <td scope="row">3</td>        
      <td>90</td>            
      <td>4</td>          
      <td>1</td>           
      <td>1</td>          
      <td>1</td>
    </tr>
    <tr>
      <td scope="row">2</td>       
      <td>100</td>            
      <td>3</td>          
      <td>1</td>           
      <td>1</td>          
      <td>1</td>
    </tr>
    <tr>
      <td scope="row">1</td>       
      <td>125</td>            
      <td>2</td>          
      <td>1</td>           
      <td>1</td>          
      <td>1</td>
    </tr>
  </tbody>
</table>
For instance, question on the thead:
Compared to
Code:
  <thead>
    <tr>
      <th abbr="damagefree years" scope="col">Plus/Minus Level</th>
      <th abbr="percent" scope="col">Premium percentage due</th>
      <th abbr="in 1 policy-year" colspan="4" scope="colgroup">Going to another +/- level: after 1 policy-year</th>
    </tr>
    <tr>
      <th></th>
      <th></th>
      <th scope="col">without claim, to level:</th>
      <th abbr="after 1 claim" scope="col">With 1 claim, to level:</th>
      <th abbr="after 2 claims" scope="col">With 2 claims, to level:</th>
      <th abbr="after 3 claims" scope="col">With 3 claims, to level:</th>
    </tr>
  </thead>
...is this semantically the same as doing this (sorry had already copied, so not in Engrish but assume it's the same text as above):
Code:
  <thead>
    <tr>
      <th abbr="schadevrij jaren" rowspan="2" scope="col">Bonus/Malus Trede</th>
      <th abbr="percent"  rowspan="2" scope="col">Verschuldigd Premie Percentage</th>
      <th abbr="in 1 verzekeringsjaar" colspan="4" scope="colgroup">De overgang naar een andere bonus/malus-trede geschiedt: na één verzekerings*jaar</th>
    </tr>
    <tr>
      <th scope="col">zonder schade*geval naar trede</th>
      <th abbr="na 1 schade" scope="col">Met 1 schade*geval naar trede</th>
      <th abbr="na 2 schaden" scope="col">Met 2 schade*geval naar trede</th>
      <th abbr="na 3 schaden" scope="col">Met 3 schade*geval naar trede</th>
    </tr>
  </thead>
? Is it better or worse to have the first to th's have a rowspan of 2 and then no empty th's? or does it completely not matter?

I've never done a table head like this... it's not really irregular, so I'm not using headers because I think scope will cover this...

The way it would be read, if you say looked at row 3, and had one claim, is
(you started at level 18), "after 1 claim", "in 1 policy-year" you're now at level 12. I'm worried that things might get read out backwards, or that there's still too much text before the meaning of every digit. So, not sure if I really want abbr attributes here or not. Are they helping, or hurting?

The head of the table in the PDF looks like this:
http://stommepoes.nl/tabel.gif

Thanks