As stated, each archetype has different starting values (well most do, some may share the same starts). Each archetype then has different skills they can take to increase those stats. A Grade 3 can choose 10 skills, a Grade 2 can take 7 and a Grade 1 can take 4. Grade 1/2 are even more limited.
Don't try and work out points and costs. Each archetype is different and brings something different to the game. As the games are based around scenarios, the goal is to build a team that has a good mix of skills. You can build a team of combat veterans and do well in some scenarios, but others will find you shooting but getting nowhere.
Think of the rules as telling a story with each player as one of the writers.
The free demo version of the rules does not include the character creation rules which is why you may have some difficulty figuring out values. You can get a good feel for what their intent is by running through some of the demos put up on the website.
And as always, you can feel free to ask any questions you may have here, on The Miniatures Page, on the HLSS Yahoo Group, or e-mail me directly. I scan all of these frequently and I am always happy to help.