Ok... Let's pretend you have a B&E specialist with the following stats:
ATTRIBUTES
Body: 6
Quickness: 6
Strength: 4
Charisma: 4
Intelligence: 6
Willpower: 4
Essence: 1.00
Reaction: 6+2d6
Combat Pool: 8
Task Pool: 2
EDGES/FLAWS
College Education
Double Jointed
High Pain Treshold 1
Human Looking
Talent: Electronics
Allergy (Alcohol)
Dark Secret
Sensitive Neural Structure
SKILLS
Active
Pistols: 6
Unarmed Combat/Karate: 3/5 (Heard it all before, ok? If offended, talk to my GM .)
Athletics: 6
Stealth: 6
Computer: 5
Electronics: 6
Electronics B/R: 6
Negotiation/Fast Talk: 3/5
Knowledge
Electronics: 5
Safehouse Locations: 5
Security Companies: 4
Security Design: 4
Security Procedures: 6
Security Systems: 6
Languages
English: 6
Japanese: 3
Skill Jukebox (Rating 5 / Task Pool 3)
Biotech
Car
Demolitions
Diving
Etiquette
Launch Weapons
Lockpick
Negotiation
Rifles
Throwing
Wilderness Survival
German
Japanese
Russian
Spanish
... and he has 28 Karma to spend. He also has an Encephalon (Rating 2) Do you spend it on:
a)Raising his Electronics skill to 8 (allowing him to roll 10 dice at -1 TN, making his really, really good at what he does)
b)Raising his Willpower to 6, so he's not going to be a complete victim if faced by mages?
c) Electronics to 7 and Willpower to 5?
d) Something else? (that can't easily be solved by buying a skillsoft - I'm definitely not spending karma on knowledge skills, for example)