> Also, does it cost anything for a starting hero to concentrate his
> magic? It seems that later on you have to pay a point to do this,
> but does the hero need to pay anything at creation time for this?
Near the very beginning of the book (before they describe each of the methods of character creation) it states that if you do not take the 5 free common magic abilities (feats, talents, charms, or spells) then you can start your character concentrated for free.
So it's free int he sense that it doesn't cost you any of your 20 points, 10 things, or 100 words, but it does cost you five abilities you'd otherwise get at 17.
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