Color me interested.

I think the character creation rules really should be collected together. Has is, I can't figure out how your supposed to determine many of your initial statistics (wealth level, hit points, speed...). Also I don't like the fact that the number of points you have to distribute among the big five and among the skills are random. And of course a system where you simply divide X points among your stats however you wish is completely broken. You should really think about introducing some limit on the number of point you can put into one your stat and some sort of diminishing return.

But even if many part of the design are open to criticism what you've created is still very awesome.

ETA: There are a lot of references in the rules to a Faith stat, except that there is no such stat! Also, the righteousness stat is often called morality in the rules.