Every knows there's 1,000 and more ways to ADD S.P.E.C.I.A.L. points, but is there any known way to remove one? Reason is this: Soon as I leave the vault, I've got 9 in INT, because I'm the type of person that absolutely rages as not having all 20 of those skills points available. So stop one for me is always Rivet City, where I grab the Bobblehead and merrily make my way into the game. What I'd love to be able to do is take out a loan for that INT point until the time comes that I get the Bobblehead, and lower my INT to 9 a minute before I grab it. Any thoughts?