2013 Character creation questions

[Michael Lewis]

I have a couple of questions about character creation. Maybe someone here can help.

Qualifications. How do you pay for them? Do you have to pay for surgery separate? How much does it cost? If you have surgery, do you have the same skill in medicine? How come there not separate skills?

Background skill points before age 18. The rules say you get 9 + Cognition. The character generation sheet says 6 + Cognition. Which is correct?

Dumb question. Are bonuses and modifiers the same thing?


Thanks,

Michael