Abilities and backgrounds

Character creation is point-based. There are no character attributes like intelligence or strength in NBA – characters are based on abilities and backgrounds.

Abilities are narrow skills that cost a point a level and are split into investigative and general ability points. Having at least one point in an ability makes the character proficient in it. Having eight or more points in an ability grants access to advantages called "cherries" that grant bonuses to the character's actions when using that ability.

Backgrounds are ability packages that are made up of six points of investigative abilities and 18 points of general abilities each. For instance, the bang and burn background makes the character an expert in demolitions while the wet-work background makes the character an expert assassin. They provide character guidelines for new players or quick templates for a pickup game. This speeds character creation and allows the campaign to get up and start running.

Investigative vs General abilities

Investigative points are calculated based on the number of characters in the party and can only be used to buy investigative abilities. Investigative abilities (like diagnosis, streetwise, and forensic pathology) automatically uncover clues related to that skill. The levels in the skill form a point pool that can be spent to expand upon the basic information revealed. Beginning characters can only have a maximum pool of three in each investigative skill to prevent over-specialization. Characters begin play with base scores of one in their streetwise and tradecraft investigative abilities, indicating their training and experience.

The character starts with 70 general points, which can only be used to buy general-purpose abilities. General abilities are pass-fail (like athletics, driving, or shooting). The levels in the skill form a point pool that can be spent to meet or exceed a success threshold. The success threshold is known by the Director, but is unknown to the player. This encourages a player to sometimes put extra exertion or effort into their character's actions without knowing if it will pay off.

The character's point pools regenerate differently. General combat ability pools regenerate after 24 hours if the character sleeps or rests. Investigative ability pools regenerate at the end of a break in the campaign (like at the end of an adventure or during a character's recovery-time spent in a hospital).

The Cover and Network general abilities

The Cover ability is the alternate identity or identities used by the character. Characters start with a base pool of 10, but additional levels can be bought with general character points. The character can choose to have a few really solid identities (with large point pools) or many flimsy ones (with small point pools). The pool does not refresh and restored or additional levels have to be bought with experience points. If the Cover's pool is reduced to zero, the cover is compromised and cannot be used again.

The Network ability is the character's organization of contacts, which can be used to provide information and support. Characters usually start with a base pool of 15 points. Characters in a burn-genre campaign have a lower starting base pool (4 to 12 points) that is based on the number of characters in the party. Additional levels can be bought with general character points. Each contact has a pool rating. The pool does not refresh and restored or additional levels have to be bought with experience points. If the contact's pool is reduced to zero, the contact is compromised and cannot be used again.

"Cherries"

Cherries are special bonuses that can be granted or purchased if a character has a level or pool of eight or more in an ability.

Characters with a pool of 8 or more in the Weapons or Shooting general abilities can spend 6 points per level to take Special Weapons training. This grants the character a +1 damage bonus per level when using one of two specified weapons in combat. For instance, a character with Weapons can take K-Bar knife and tonfa baton and a character with Shooting can take Walther PPK pistol and Hecker & Koch MP5 submachine gun. The bonus applies to only that specific make and model of weapon (e.g., a .38-caliber Smith & Wesson M10 revolver rather than all .38-caliber revolvers in general). However, it is also not limited to just a weapon in particular – like an uncle's old service pistol or your grandmother's heirloom nunchucks. If the specified weapon is lost, it can be replaced with an identical one (unless it is the character's symbol).

Characters with a pool of 8 or more in the Hand-to-Hand general ability can spend 6 points per level to take Martial Arts training. This grants a +1 damage bonus per level when using unarmed combat. Later supplements added unarmed-combat Cherries that granted bonuses to other abilities.

Characters can also put points into tag team bonuses. This allows two characters to work together to achieve the same goal by each contributing a specific ability to perform the action. The simplest example would be for one character to use their Notice investigative ability to act as a spotter while another character used their Shooting general ability to act as a sniper. The first character (dubbed the "winger" in the rules) is granting his Notice point as a bonus to aid the second character (dubbed the "striker" in the rules) to use his Shooting ability to hit the target. The tag team bonus can only be between those two characters and the players must both spend character points to pay for the tag team.

Secondary attributes

These are the character's gameplay-dependent qualities.

A military occupational specialty, the character's main general ability, grants the character one automatic success per session.

Health is the character's physical well-being. It has a base score of 4, but players can spend a general character point per level to raise it. (In burn-genre campaigns, the character is restricted to a maximum score of 10.) If the character suffers wounds and their current health score is above zero, he can heal back a few Health points per day of rest. A negative health level requires surgery and intensive medical care (requiring use of the diagnosis, medic, and pharmacy abilities). A health score of -12 or lower means the character has died.

Stability, the character's mental well-being, has a base score of 4 but players can spend a general character point per level to raise it. A character whose stability drops to zero or lower is shaken (too stunned to be effective) or mentally ill (gaining a permanent mental flaw). A stability score of -12 or lower means the character is incurably insane and must leave play.

Sources of Stability are three things that calm and center the character – symbol is an item, solace is a person, and safety is a place. They raise or restore the character's stability score. If they are destroyed or the character is cut off from them, the character can never replenish their stability score by that means.

Drive is the motivation that keeps the character going. Examples would be "must clear my name", "always push myself to the limit", "can't let my teammates down", or "must get revenge on my enemies".

Heat is the amount of attention the character or group is getting from the mundane authorities. Lying low and use of Tradecraft and Evasion skills lowers heat. Drawing attention to themselves through committing crimes or acts of violence that can be linked to them (or being framed for committing them) increases heat. This also affects the character's cover identities and network contacts, which lose points until they are compromised.

Trust is the confidence you have in the reliability of certain members of your group. The player gets five trust points at the beginning of play. Awarding a trust point to a group member makes it easier for the player's character to aid and assist them. However, the trusted character can "burn" a trust point to betray the trusting character. This allows the traitor to gain a short-term advantage over the trusting character (like blocking use of an investigative ability or subtracting a penalty from the result of a general ability die roll).