Don't worry about having a complete characetr since we won't be using but one or two things from it. However, the points at the end is really confusing and I had to buy the game in PDF format in order to figure it out. Not realyl sure exactly how the program does it, so I usually just click on gfinished and submit. However, the way it is suppose to work is a certain number of points in a skil lgive you a +1, +2,etc when rolling for that skills. You choose the number that is closest to whow many points you have. At the end you add up allthe left over skill points and can divide them anyway you wish in order to raise or choose new skills. It is one of the tinngs I found to be too complex to worry about. That said if anyone wants a copy of the PDF I can shoot it to oyou via Yahoo messenger.