Skill Point Allocation

You have figured out your investigators occupation, rolled up their stats and atributes, and now have to figure out their skills. The following sections will walk you through how to calculate your investigators skill points from their choosen occupation and personal interests. After calculating the skill points and distributing write down the total points for each skill on the investigator sheet (the points you’ve allocated plus the base chance printed on the investigator sheet). It is advised that you allocate occupation skill points and then personal interest skill points before calculating in the half and fifth values for each skill.

Occupation Skills

You've chosen an occupation for your investigator, now it's time to calculate their skill points using the formula specified with their ocupation. Once you've compleated the calculation distibute the points amongst the skills laid out by the same occupation sellected for the investigator. Points should also be allocated to Credit Rating within the range indicated for the occupation. Not all the skills need to have points allotted to them, however points left undistributed are lost.

Personal Interests

Investigators also draw upon experience, skills, and knowledge gained from hobbies and other nonprofessional activities, called personal interests. Multiply the investigator’s INT × 2 and allot the points to any skills (which can include adding further points to occupation skills), except Cthulhu Mythos.

Weapons and Firearms

Fighting and Firearms skills, and their various specializations, allow an investigator to use weapons. Personal interest or occupation skill points (if applicable) may be spent to raise any of these skills. When an occupation includes the skill of Fighting or Firearms, and no specialization is specified, it is up to the player to choose one or more specializations of that skill.

Credit Rating

An investigator’s starting Credit Rating is determined during character creation, based upon the investigator’s chosen profession. In play, Credit Rating determines the amount of money a character has available. Credit Rating also indicates the general living standards a person can afford, as well as indicating the character’s relative status in society

Living Standards

Credit Rating 0: Penniless
A person that cannot even afford the level of ‘poor’ is considered penniless.
Accommodation: such a person would be living rough.
Travel: walking, or stowing away on a train or ship.

Credit Rating 1-9: Poor

Able to afford the bare minimum of a roof over their head and at least one meager meal each day.
Accommodation: restricted to the cheapest rental housing or fleabag hotel.
Travel: limited to public transport of the cheapest sort.

Credit Rating 10-49: Average

A reasonable level of comfort, three meals a day and an occasional treat.
Accommodation: an average home, either rented or privately owned. Expect to stay in moderately priced hotels.
Travel: standard forms of travel can be used, but not first class. Able to afford a horse, and perhaps a wagon of some kind.

Credit Rating 50-89: Wealthy

This level of wealth affords luxury and comfort.
Accommodation: a substantial residence, perhaps with some domestic help (housekeeper, cleaner, gardener, etc.) Possibly a second home or a ranch. Able to stay in expensive hotels.
Travel: first class.

Credit Rating 90+: Rich

This level of wealth affords great luxury and comfort.
Accommodation: a plush residence or estate with abundant domestic help (servants, cleaners, gardener, etc.). Second homes in other states. Stay in top hotels.
Travel: first class.

Credit Rating 99+: Super Rich

As Rich, but money is really no object. Individuals in this category are among the richest in the world.