1. Choose a character concept, Clan, nature and demeanor
2. Select attributes (7/5/3)
3. Select abilities (13/9/5)
   no ability higher than 3 at this stage
4. Select advantages
   Backgrounds (5)
   Disciplines (3)
   Virtues (7)
   each virtue starts with 1 free point
5. Spend freebie points (15)
   Attribute cost 5
   Ability cost 2
   Discipline cost 7
   Background cost 1
   Virtue cost 2
   Humanity cost 1
   Willpower cost 1

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