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Skill Points

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  • Skill Points

    Hey all. I feel silly asking this but can't seem to find the answer. Finally convinced a group to try SW with me, and I'm gearing up to GM my first session. Decided to generate a character to get the hang of it ahead of time and I have a question - if you get 15 skill points as a novice, do you have to "spend" them all or lose them? Or can you "bank" 'em for future advances? My question extends to Edges and Hindrances as well. My Test character took his major and two minor Hindrances for four points. I bought an extra attribute die, but want to hold off for higher level edges. Can I do that or do I lose the points?
    Thanks in advance, and my apologies if this has been asked or answered somewhere obvious. I am not a smart man.