(but I'd limit NPCs generally to a level of 4 in any one skill, and not pick *too* widely - i.e. not 19 skills at level 1)- for terms 9+ pick 1 skill level- for terms 4-8 pick 1.5 'skill levels' (round up)- for the first three terms pick two 'skill levels'- pick 6 level 0 skills (they don't have to be from one service table)So my first pass at a 'rule' might be:Don't forget to either use the aging rules on the UPP or pick UPP stats that are lower to begin with to reflect older age.