We start with a 22 point build, as per the rules. We allow players to buy extra points to build with by taking disadvantages, as with the Hero System, only we divide the value of a Hero System disadvantage by 5 for the purpose of determining our point value. You might find the Master List of Limitations useful.
No more than 15 extra points may be taken this way.
Characters also get 4 Hobby Points at first level and 1 thereafter.