Reir: 2(mod2)3
Zan: 0(mod3)1
Hak: 4(mod3)8
Kid: 3(mod2)5
Hoh: 2(mod1)2

19+3

You have 22 skill points. Which means you have 3 skill points left to distribute.

This is due to the fact that every zero in a skill gives you an additional 1 skill to spend. Just don't fill the zeros with those points because that would negate the points they give you.