To go with the chart I made a skill list which has all the costs, grouped by stat or type of skill. I used the newer JAGS Archetype skill cost and mixed it with the level costs. Also I added a Tough type character to the template which might represent a farmer or smith - some that vary in reflexes. There is both physically or mentally tough.
JAGS human types
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JAGS Skill costs
These are grouped by type, expensive or standard cost, and stat. Towards the end are the eithor/or skills which can use one of many stats.
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