So, about the skills, how does it make sense that our characters are masters at certain things, but complete failures at everything else? I mean, suppose I tag Speech, Guns, and Sneak. Am I completely awful at repair? How am I a master of the operation of firearms yet have no idea how to take care of one? I'd suggest adding another section to the character, where you can put two or three skills that you are proficient at(NOT a master at), perhaps as long as you explain how it is related to one of the three skills you have mastered...?

EDIT: Reading over this again, I apologize if it comes off as hostile.