Click on the Option to see the glossary for it.

General
Option	Comments	Cost
=== ====== ===	========
delayed acquisition of ability	max. delay to 15th level	-5% cost/level delayed
2 CPs for points	max. 4 CPs	3
followers	stronghold	7
group crossover		3 points/slot away from 2 slots in that group
Penalties
extra exp req. +5%		-5
Limited magic items	S&P fighter	-5
Weapon Proficiencies Allowed
psionicist weapons		6
mage weapons		4
restricted priest		2
single weapon		2
no weapons		0
not allowed to injure	spells ok	-2
cannot harm living		-10
Hit Dice
hit dice d3 (1)		-5
hit dice d4 (1)		0
hit dice d6 (2)		8
AR improvement
AR 0		-10
AR 1/3		0
Armour		Base	Warrior	Priest	Thief	Mage	Psionicist	Psionicist (no penalties)
all	Cost 24/16/8/0 if abilities won't/will work with it.	24	18	15	12	24	12	24
chain	3/4 of this if all abilities do work with armour anyway.	16	12	10	8	16	8	16
studded leather	2/4 of this if some abilities always impaired by armour.	8	6	5	4	8	4
none	-1/8 of cost if have abilities which provide significant	0	0	0	0	0	0
	protection which is not cumulative with armour (+5DV).