Can you lower skills or stats in narrative mode?

I was wondering if stats could be adjusted from the 90/10/125 that’s given in the narrative mode for a mage?
Also, as a mage with Margery, eval, med, wrestle, inscription. That only leaves 220 skill points, so to become a full bard/mage or tamer/mage you would need to lose 100 skill points somewhere. Is this possible?

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