40 SPECIAL points to start out with seems a bit excessive. are you sure you did the math right on that one? it would allow us to start with max SPECIAL in 2 stats and still have enough left to comfortably fill out our other stats. Also, it's a bit unclear what you mean with the whole tag 3 skills tag 3 flaws. Could you perhaps provide an example of what a filled out sheet is supposed to look like?