The core idea of this Urban Fantasy game is that it occurs, basically, in the real world. Normal NPCs and the normal world should adhere to campaign conventions. These are those conventions.
Normal Characteristic Maxima: May pay double beyond 20 up to 25
Normal Skill Maxima: 15-
Combat Skill Levels: No one point levels allowed
Martial Arts: All Martial Arts allowed. Player must have KS of all styles known