http://www.pathguy.com/d20modern.htm is a very, very useful site for trying out different types of character concepts. Not all of the material presented there is used here and there is additional material here that is not used there.

• Open or Print the Character Sheet
• Choose Concept
• Generate Ability Scores
• Assign Ability Scores
• Choose Species
• Choose Class(es)
• Determine Starting Occupation
• Determine Origin
• Select Talents
• Optional: Allegiance
• Optional: Psionics
• As Needed: Assemble Gridshadow
• Optional: Cyberware
• Optional: Mutation
• Apply any Level adjustments
• Assign skills
• Select feats

• Determine: Defense, Speed, Iniatiave, Base Attack Bonus, Reputation, Saving Throws, Melee Attack Bonus, Ranged Attack Bonus, Action Points, Wealth
• Equip your character
• Roll for vitality points (if needed)
• Fill in the details.

Levels

Perks and flaws provide a hero with advantages and disadvantages. A perk is usually good for a hero; a flaw is usually negative in some way. No hero is required to purchase a perk or select a flaw, though she may have perks or flaws assigned to her as the campaign progresses.

Perks and flaws not only present the character with advantages and disadvantages, but offer opportunities for good role-playing. The GM may award an extra Character Point (see below) to a hero at the end of an adventure for role-playing her perks or flaws particularly well.

Perks

Flaws

Allegiances