One nice thing about the character creation system is that it's completely modular — all characters get six trained skills (plus their Int mod) and five feats, four points to put towards defense bonuses (with no more than +3 on any one), and can take up to two flaws in exchange for additional trained skills or feats. There are something like 33 skills, compared to SWSE's 20, so I figured I should be generous with skill training. Also, since there aren't talents any more, characters get a feat on every odd-numbered level (since they get BAB and skill raises on even-numbered levels).
Characters all begin with the same BAB and a d6 hit die, but can improve those if they want to burn feats to do so. (Each step up in hit dice costs a feat, so to have the fighter-level d10, you have to spend two feats to get it.) The templates are simply "pre-made" selections using those parameters, which gives people who like to have classes (like jamesbarrett for instance) something to hang their concept on, whereas people who like to custom-craft their character (like me) can do that instead.
The first thing that may strike those of you who've dealt with game balance issues is, "Wait — couldn't somebody just take a couple of flaws to crank up their hit die, spend a ton of feats on BAB, improved defenses, and so on to totally munchkinize their character?"
The answer is, well, yes they could. But there are a couple of mitigating factors that come into play there. First, I've got a good group of players, so that's not really likely to become a problem. Second, even if we did have a munchkin at the table, this is a mystery/horror game! Being a combat monster means you're probably going to get eaten first when the Squamous Polyp materializes overhead. Finally, the flaws are pretty darn big; they're things like Obsession, Fragile Mind, and that sort. Nobody's going to take them casually.
I'm very pleased so far — I hope (and expect) that this will be a very fun game, that combines the best of both worlds between the d20 system and Call of Cthulhu. I just wish I could play in it instead of running the thing, but that's the way it always goes, alas!