PREMISE
During creation, you choose the skills/spells that your character has access to from the beginning of the game (upon reaching the appropriate level, it will be in your skill/spell list automatically). You can (and should) gain skills/spells later on (see HELP GAIN) so it is often most useful to pick low-level abilities to start with. Abilities chosen in creation are paid for with Creation Points, and if you go over 80 cps, you will be penalized by starting with less trains to spend. Purchasing a group of skills/spells is slightly cheaper than purchasing them all individually. If you purchase individual skills/spells then the cost of the group will dynamically adjust accordingly, so that it is still worth purchasing.