Actually each point above 8 costs something off a little table, not so much 12 points to spread... typical spread is 27 points taken off the table I include down here. ABILITY SCORE POINT COST Score Cost Score Cost 8 - 0 12 - 4 9 - 1 13 - 5 10 - 2 14 - 7 11 - 3 15 - 9 By my calculations you got 0 + 9 + 2 + 4 + 4 + 9 = 28 meaning you're over budget by just one point.