Hi,
Not sure why the captcha is misbehaving.
The answers to your questions are:
Please use your regular stat generation method.
The skill set is intentionally vague, if a new player emailed you as a character concept and asked you to create her character for you then build what you would if she was going to join your campaign at the weekend.
No, I don't want to know how you arrived at the character sheet you send in.