Skill Defaults added

Due to user request, I have added the ability to add a skill to your sheet that you are not going to put any points into.  The benefit of doing so is that the default value will be added to your character sheet, but it doesn't deduct from the unspent points just to have it on your sheet.

At this point in time, there's no way for users to edit the defaults, so if you notice something missing or incorrect, feel free to contact me and let me know.  It's on my list, but there are a few other things I want to get done first.

Enjoy!