Shwanko07, yes. The system wl calculate watever skill points u hv even if u dun assign the points. Once u reach the next star (or maybe even skill points), yr development percentage wll reduce.

And yes the system can calculate yr hidden variable - just like how a PT can tell you how many skill points u need to get a player to a certain level.

Last thing, for those whom want to assign the many skill points they hv accumulated, it is better you renew the player contract first, as higher market value means higher wage and 1 time bonus.