I'm pretty sure that if you dig through the thread far enough (or maybe the equivalent thread on Dumpshock?) Adamu said that he's fine with positive and negative qualities exceeding 25 -- just to expect him to make full use of the negative qualities in making life 'interesting' for your character. I don't have time to go digging for the exact post right now, so you might want to find that, or get confirmation from Adamu, before counting on those extra points.