Okay, have modified the first post (and the manuscript), so that it is consistent...
Learning Spells ----
1) May only know a number of spells equal to ranks in Magecraft + 3
2) Major Adepts use "Mj" costs for Universal and School* spells
3) Minor Adepts use "Mn" costs Universal and School* spells.
4) Non Adepts use "N" costs for Universal Spells, they have no School, so no School spells.
5) All characters use double "N" costs for spells from Schools that they do not have access to normally.
* == characters gain "access" to one or two Schools based upon having the Major Adept, Minor Adept, and/or Extra School of Magic talent. (Note: I have added back in the bit about Non Adepts learning the "Extra School of Magic" talent to get access to a School, and giving them "N" costs instead of double "N" costs).
I knew that there was a reason for having that bit in there, but I couldn't think of it (brain cramp) when I fixed the wording on that talent a while back, hence the reason why I dropped the bit in the first place... heheh