Re: OOC
Regarding level, the thing most people don't realize is that Palladium is not like most other RPGs. Your first level character is already a veteran.
To change OCC, you must be ready to level up to at least second. You take the powers/abilities of the new OCC and the OCC skills, but NO bonuses. You have to earn enough experience to make it to second level for "simple" OCCs, or third level for "complex" OCCs. Then you become FIRST level with ALL OCC and Related skills, powers/abilities, and bonuses. So, your basic fist level character starting out already has had enough experience to be second or third level just to get to that first level. You can have a pretty rich back story.