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Yes, the characters included in Hero Lab are the Archetypes from pgs. 81-90, and we have entered them as listed. We'll leave it up to users how to adjust them to make them follow the rules, or whether they should be used as written.
A note - underspending Karma isn't an issue in 6th like it was in 5th - in 5th, you could only retain up to 7 karma from character creation to advancement, but in 6th, there's not a limit to how much you can save for later.
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