Here's the clarification on skill and talent points.

Posted 10/14/09 20:11 (GMT) by Craig Graff

The character creator lets you create a face and assign attribute points, as well as letting you see which skills and talents come with each origin/class combination. When you import the character into the game you finish character creation.

You are granted one skill based on your class, one skill based on your origin, and can assign one skill point however you choose.

You are granted one talent based on your origin and can assign two talent points however you choose.
http://daforums.bioware.com/viewtopi...8601&forum=135