I copied a sheet format from another site but probably should have done it differently.  The X symbols are yellow, the O symbols are green.<br/><br/>You can't spend experience to directly raise characteristics after character creation, so it is generally good to spend a bunch there.  You can raise them through cybernetics and through the dedication talent at the bottom of most trees.  But it is always nice to have talents, especially if experience is slow in an online game.