I tried to send this to Mr Handy for vetting, but the PM system is messing up. Here is my character concept, I think I've calculated everything correctly.
Invisible Castle Rolls:
http://invisiblecastle.com/roller/view/3960693/ I didn't roll particularly well

The only real problem is the low POW, I think.
Sergeant Dipprasad Dharmadhoj
'Jai Mahakali, Ayo Gorkhali!'
('Victory to goddess Mahakali, the Gurkhas are here!')Sergeant Dipprasad Dharmadhoj, former soldier in the 2nd Battalion of the Royal Gurkha Rifles serving as part of the British Army in the War in Afghanistan. He comes from a long line of Gurkha soldiers serving in the British Army, dating from an ancestor who first fought under contract with the East India Company in the Pindaree War of 1817. His grandfather fought in North Africa against the Nazis with considerable distinction, and Dipprasad has also sought to be just as honorable a soldier as he was. His father spent most of his life serving in the 26th Gurkha Brigade sationed in Hong Kong, where Dipprasad spent his childhood until his family moved to the United Kingdom following handover in 1997.
His career in the military took a sudden turn in the mountains of Tora Bora in 2011, when a firefight broke out with Taliban mujahideen. During the battle, Dipprasad witnessed things that he could not understand or explain, and he suffered from tremendous mental shock watching a crippled old Afghan man cut through dozens of good British men with otherworldly magic. Despite this, he fought bravely and well, eliminating the threat before the summoning was completed. He was honorably discharged.
In the time that followed, he felt he had lost his mission in life. A taste of opium acquired in Afghanistan threatened to blossom into a full heroin addiction, but when Dipprasad was at his lowest point he happened to discover an secret diary kept by his grandfather during his time fighting in Libya. His grandfather's confession of unworldly encounters in the desert and their eventual defeat disturbed Dipprasad at first, but gave him strength in the end. He failed to kick the heroin completely, but he has become functional and motivated once more. He dedicates his each waking day to honoring the memory of his grandfather and the glory of Great Kali, Hindu goddess of time and death.
Player: tormsen
Name: Dipprasad Dharmadhoj
Age: 32
Sex: Male
Occupation: Former soldier of Royal Gurkha Rifles
College, Degrees: None
Characteristics:
STR: 11
CON: 13
SIZ: 9
DEX: 8
APP: 6
INT: 11 (Idea - 55)
POW: 4 (Luck - 20)
EDU: 6 (Know - 40)Sanity: 18
Phobias/Mental Disorders: Opiate Addiction
Maximum Sanity: 20
Hit Points: 11
Magic Points: 4
Damage Bonus: 0Skills: (Non-default skills BOLD, Professional Skills ITALICS, Hobbies preceded by a DOT. Checked skills followed by a *)
Accounting (10%):
Anthropology (01%):
Archaeology (01%):
Art (05%):
Astronomy (01%):
Bargain (05%):
Biology (01%):
Chemistry (01%):
*Climb (40%): 52%Computer Use (01%):
Conceal (15%):
Craft (05%):
Credit Rating (15%):
Cthulhu Mythos (00%): 01%Disguise (01%):
Dodge (DEX x 2): 54%Drive Auto (20%):
Electrical Repair (10%):
Electronics (01%):
Fast Talk (05%):
First Aid (30%): 40%
Geology (01%):
Hide (10%): 20%
History (20%):
Jump (25%):
Law (05%):
Library Use (25%):
Listen (25%): 30%
Locksmith (01%):
Martial Arts (01%):
Mechanical Repair (20%): 40%
Medicine (05%):
Natural History (10%):
*Navigate (10%): 20%Occult (05%):
Operate Heavy Machine (01%):
*Other Language: English (01%): 31%
*Other Language: Cantonese (01%): 16%
*Other Language: Pashtun (01%): 6%
Own Language: Nepalese (EDU x 5%): 40%Persuade (15%):
Pharmacy (01%):
Photography (10%):
Physics (01%):
Pilot (01%):
Psychoanalysis (01%):
Psychology (05%):
Ride (05%):
Sneak (10%): 30%Spot Hidden (25%):
Swim (25%):
*Throw (25%): 40%
*Track (10%): 20%Hand-to-Hand:
Fist/Punch (50%):
Grapple (25%):
Head Butt (10%):
Kick (25%):
Kukri Knife (25%): 50%Firearms:
Handgun (20%):
*Machine Gun (15%): 25%
Rifle (25%): 60%Shotgun (30%):
*SMG (15%): 25%