You can offer build advice.<br/><br/>For me your average human has a 6-7 in what they do.  3 from their attribute, and 3 from being trained to do their daily job.  Something like an HRT is looking at more like a 5 in the attribute and 7-8 in the skill.<br/><br/>So having around 12 at chargen I feel is usually fine.  You should usually be able to get a little more karma before butting heads with an HRT.