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Raise Skeleton is an example of an Active Skill - the skill itself will need to be cast for it to take any effect. Generally, however, you’ll either be maxing a skill or putting one point into it and letting +Skills gear do the rest. Of course, some builds don’t need five skills to max, and some skills, however useful to the build, aren’t worth maxing for various reasons. In practice, that means most builds will be looking to max out around five skills, with any excess points being used on skill prerequisites, and any shortages falling on the least useful of the five main build skills. If you assume a reasonable Lv89 as a good stopping point for most builds, that’s exactly 100 Skill Points we can plan end-game builds around. Ergo, a max Lv99 character who has completed all quests will have been able to assign 110 Skill Points. You can complete each of these three quests three times each, once in each difficulty (Normal, Nightmare and Hell), for a total of +12 bonus Skill Points. In addition, there are three quests that reward bonus Skill Points: The Den of Evil in Act 1 (+1 Skill Point), Radament’s Lair in Act 2 (+1 Skill Point) and The Fallen Angel in Act 4 (+2 Skill Points). Still, with a theoretical maximum Lv99, that’s 98 Skill Points you can earn by leveling up. You can reach Lv99 at maximum, but that’s more aspirational than expected - reaching Lv85-90 is a much more reasonable goal, and most builds should be mostly complete by that point.
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Unfortunately increasing a skill’s level also usually increases its Mana cost, as well, so be wary of that, lest your offense become difficult to maintain. The effects of increasing a skill’s level are different from skill to skill, so precise generalizations are impossible. This usually means more damage/defense/attack rating, longer durations, larger AoEs, more projectiles, more/stronger/sturdier minions, etc. Each skill’s maximum Skill Level (sLv) is 20 (not including bonus levels added by gear, shrines or other skills like Battle Orders), and as a skill’s level increases so do its effects. Each character has three skill trees consisting of ten skills, and each skill can be leveled up by spending a Skill Point on it. You earn one Skill Point every time your characters levels up, which you can then invest in one of the skills on your skill tree. In fact, the gear you seek out should be subordinate to your Skill Point allocation, and since your Stat Point distribution is at least in some part decided by your gear, skills drive the build. Whether your Amazon sits back and shoots a fan of arrows at enemies, or tosses lightning javelins, whether your Paladin righteously smites enemies into submission or tosses a spiral of magic hammers from behind the safety of his shield, whether your Sorceress blasts enemies with fire, lightning, ice or a combination thereof… that’s all up to Skill Point allocation. After you’ve selected a character, you’ve narrowed down your playstyle considerably, but skill points ultimately determine builds.