Re: Cost of HT.
Rounding up 4*sqrt(number of skills) puts a single skill at 4/level (which is, of course, both pointless and the point), and then scales. Going every 2 points from there:
1 sklil: 4 points
2 skills: 6 points
3-4 skills: 8 points
5-6 skills: 10 points
7-9 skills: 12 points
10-12 skills: 14 points
13-16 skills: 16 points
17-20 skills: 18 points
21 skills and up: just buy STAT, darn it.
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