For example Knowledge underworld is what the FBI knows about crime. Where as Streetwise is what the people on the street know about crime. The 2 overlap. But the Streetwise person is less likely to offend someone. And the Knowledge person is more likely to know the encyclopedia knowledge.
I like this. A generic cop might need to build up Knowledge (Underworld) to know who runs crime rings, what gangs are active in what territory, what that tag means. But the undercover cop also needs Streetwise to navigate that scene like an insider. Underworld tells him where to go and whom to talk to, but Streetwise tells him how to behave when he gets there.