In the Inquisitor's Handbook pg 220 they go over the pricing of contacts, now everything seems straight forward enough except two things:

1. Contact has a skill cost = 10xp, Contact is an expert in a skill, cost = 20xp which makes sense, but Contact has a skill group, cost = 50xp, Contact is an expert in a skill group, cost = 50xp. It doesn't elaborate if your contact has to buy one and then the other or can chose one over the other. So is it 10xp+20xp and the contact is an expert in a skill or 50xp+50xp the contact is an expert in a skill group? Or is it 20xp and the contact is an expert in a skill or 50xp and the contact is an expert in a skill group.

2. The "I used to know" someone rule reduces the cost of a contact by typically 50%. Is that reduction before or after applying the negative contact costs such as Dubious or Dangerous?

Any opinions on these matters are appreicated, Thank you.