Each player starts with 5 points, to which is added 2 points for each skill/physical ability possessed by the player, 2 points deducted for each negative skill, and the following points added/subtracted depending on the player's statistics:

If the total is is 10 points or less, then the player's cost is 10,000gp x the number of points.

If the total is greater than 10 points, then the player's cost is 100,000gp, +5,000gp for each point thereafter (rounding up).