I will be posting code, so here is a test to see how it looks...

  match roll with
  | n when n <  3 -> (age+1,ap_age), stats, age_total, NoCrisis
  | n when n < 10 -> age_one_year, stats, age_total, NoCrisis
  | n when n < 13 -> age_one_year, aged (select 1), age_total+1, NoCrisis
  (*           13 -> bad luck... same as 22+ *)
  |            14 -> age_one_year, aged [Stat.qik], age_total+1, NoCrisis
  |            15 -> age_one_year, aged [Stat.sta], age_total+1, NoCrisis
  |            16 -> age_one_year, aged [Stat.per], age_total+1, NoCrisis
  |            17 -> age_one_year, aged [Stat.pre], age_total+1, NoCrisis
  |            18 -> age_one_year, aged [Stat.str;Stat.sta], age_total+2, NoCrisis
  |            19 -> age_one_year, aged [Stat.dex;Stat.qik], age_total+2, NoCrisis
  |            20 -> age_one_year, aged [Stat.com;Stat.pre], age_total+2, NoCrisis
  |            21 -> age_one_year, aged [Stat.int;Stat.per], age_total+2, NoCrisis
  |            _  -> let points = points_to_decrepitude age_total in
                     age_one_year, aged (select points), age_total+points, Crisis

Well, that shows that I need more width... maybe a smaller font; otherwise it seems okay.