If you can free up about 2.5k worth of expenditures you can recliam a point back and get a skill specialization.I think there is an optional rule of carrying over up to 5 karma into play.
Man group contacts get real expensive real quick. a 3,2 contact with national reach, 100-1000 members limited martix presence, limited magical personnel will cost 30 karma. Decisions decisions. Get one big contact or get 2-4 more small ones.
Doesn't matter, they'll all be dead soon anyway.
That's why you take Made Man.