although it looks like PC's start most of the way to 2nd rank at start of play as they get 400xp in character generation to spend, but after Character Gen dose their XP Balance "0" with the Character Gen "XP" efectivaly becoming "Character Points" used for geting the Characters redy for play?
though option A is all but unasalbale as bean the interptasion option B dose make sence and could be argued in a "Court of Rules" by even a non Hack Rules Lawer.