make sure you check the free option for every item you choose
Sorry, what free option are you referring to? I'm not seeing it in Chummer.
Anyway, I managed to get Omeed karma-neutral by fixing the Magic/Essence issue and reducing some skills. The Conjuring skill group was entirely lost, and with it, all of Banishing, but otherwise everything else was just a point or two.
[spoiler]== Info ==
Street Name: Omeed
Name: Omeed Banai
Movement: 10/25, Swim: 5
Karma: 0
Street Cred: 0
Notoriety: 2
Public Awareness: 0
Human
Composure: 8
Judge Intentions: 6
Lift/Carry: 6 (45 kg/30 kg)
Memory: 10
Nuyen: 0
== Attributes ==
BOD: 3
AGI: 4 (6)
REA: 4
STR: 3
CHA: 3
INT: 3
LOG: 5
WIL: 5
EDG: 3
MAG: 4
== Derived Attributes ==
Essence: 5.12
Initiative: 7
IP: 1
Astral Initiative: 6
Astral IP: 3
Matrix Initiative: 8
Matrix IP: 2
Physical Damage Track: 10
Stun Damage Track: 11
== Active Skills ==
Animal Handling : 0 Pool: 2
Animal Training : 0 Pool: 2
Archery : 0 Pool: 5
Armorer : 0 Pool: 4
Artisan : 0 Pool: 2
Assensing : 4 Pool: 7
Automatics : 0 Pool: 5
Binding : 4 Pool: 12
Blades : 0 Pool: 5
Climbing : 1 Pool: 4
Clubs : 0 Pool: 5
Computer : 0 Pool: 4
Con : 0 Pool: 2
Counterspelling : 4 Pool: 8
Cybercombat : 0 Pool: 4
Data Search : 0 Pool: 4
Demolitions : 0 Pool: 4
Disguise : 0 Pool: 2
Diving : 0 Pool: 2
Dodge : 0 Pool: 3
Escape Artist : 0 Pool: 5
Etiquette : 1 [Military] Pool: 4 (6)
First Aid : 0 Pool: 4
Flight : 0 Pool: 2
Forgery : 0 Pool: 5
Gunnery : 0 Pool: 5
Gymnastics : 3 [Parkour] Pool: 9 (11)
Hacking : 0 Pool: 4
Heavy Weapons : 0 Pool: 5
Infiltration : 1 Pool: 7
Instruction : 0 Pool: 2
Intimidation : 0 Pool: 2
Locksmith : 0 Pool: 5
Longarms : 3 [Shotguns] Pool: 10 (12)
Navigation : 0 Pool: 2
Negotiation : 0 Pool: 2
Palming : 0 Pool: 5
Parachuting : 0 Pool: 2
Perception : 2 Pool: 7
Pilot Ground Craft : 0 Pool: 3
Pilot Watercraft : 0 Pool: 3
Pistols : 1 [Semi-Automatics] Pool: 7 (9)
Riding : 0 Pool: 3
Ritual Spellcasting : 1 Pool: 9
Running : 1 Pool: 4
Shadowing : 0 Pool: 2
Spellcasting : 6 [Combat] Pool: 14 (16)
Summoning : 4 Pool: 12
Survival : 2 Pool: 7
Swimming : 1 Pool: 4
Throwing Weapons : 0 Pool: 5
Tracking : 0 Pool: 2
Unarmed Combat : 0 Pool: 5
== Knowledge Skills ==
Arabic : N Pool: 0
Chemistry : 4 Pool: 9
Combat Tactics : 4 Pool: 9
English : 5 Pool: 8
Magical Theory : 4 Pool: 9
Magical Threats : 2 Pool: 7
Russian : 5 Pool: 8
== Qualities ==
In Debt (15,000Ą)
Incompetent (Leadership)
Magician
SINner (Standard)
Spirit Bane (Earth)
== Spells ==
(Tradition: Hermetic, Resist Drain with WIL + LOG (10))
Antidote DV: (Toxin DV)-2
Heal DV: (Damage Value)-2
Increase Reflexes DV: (F÷2)+2
Levitate DV: (F÷2)+1
Mind Probe DV: (F÷2)+2
Physical Barrier DV: (F÷2)+3
Stunbolt DV: (F÷2)-1
Toxic Wave DV: (F÷2)+5
== Cyberware/Bioware ==
Adrenal Regulator
Attention Coprocessor Rating 2
MPC Bridge
Muscle Toner Rating 2
Reflex Recorder (Skill Group) (Firearms)
== Armor ==
Ares Armored Coldsuit 6/4
+Fire Resistance 4
+Insulation 4
+Internal Air Tank
+Thermal Damping 4
+YNT SoftWeave
Ballistic Mask 2/1
+Flare Compensation
+Mark 74 Smartlink
+Thermographic
+Vision Enhancement Rating 2
+Vision Magnification
Form-Fitting Full-Body Suit6/2
+Fire Resistance 2
+Nonconductivity 2
+Responsive Interface Gear (Armor)
+YNT SoftWeave
Full Body Armor Helmet 2/2
+Insulation 2
+Responsive Interface Gear (Helmet, Cold Sim)
+Camera Rating 6
+Flare Compensation
+Image Link
+Vision Enhancement Rating 2
== Weapons ==
Cougar Fineblade Knife, Short
+Personalized Grip, Melee
Pool: 6 DV: 3P AP: -1 RC: 0
Franchi SPAS-22
+Shock Pad
+Stock
+Additional Clip
+Camera Upgrade, Flare Compensation
+Camera Upgrade, Vision Magnification
+Camouflage Ghillie Shroud
+Extreme Environment Mod Rating 1
+Folding Stock, Powered
+Foregrip
+Smartgun System
+Smartgun System
Pool: 12 (14) DV: 7P AP: -1 RC: 1
Grenade: High Explosive
Pool: 5 DV: 10P (-2/m) AP: -2 RC: 0
Grenade: Smoke
Pool: 5 DV: (10m Radius) AP: - RC: 0
Sernopal vz/88V
+Imaging Scope
+Stock
+Camouflage Ghillie Shroud
+Electronic Firing
+Extreme Environment Mod Rating 1
+Gas Vent 2
+Gas Vent 3
+Laser Sight
+Safe Target System
+Smartgun System
+Thermal Suppressor
Pool: 8 DV: 6P AP: -1 RC: 4
Shiawase Arms Heavy Tactical
+Advanced Safety, Basic System
+Extended Clip
+High-Power Chambering Rating 1
+Powered Slide Mount
+Reduced Weight
+Safe Target System
+Smartgun System
+Thermal Suppressor
Pool: 9 (11) DV: 7P AP: -2 RC: 0
Unarmed Attack
Pool: 5 DV: 2S AP: - RC: 0
== Commlink ==
Singularity Battle Buddy Basic (5, 0, 0, 5)
+Biometric Lock
+Hardening Rating 5
+Armor Case Rating 5
+AR Gloves
+Custom Commlink OS
+Sim Module (Cold)
+Satellite Link
+Printer
== Gear ==
Grenade: High Explosive x2
Grenade: Smoke x2
Headphones Rating 3
+Microphone Rating 1 [Select Sound Filter 1]
+Audio Enhancement Rating 3
+Select Sound Filter Rating 2
+Spatial Recognizer
Medkit Rating 2
+Betel
Micro Flare Launcher
+Micro Flares
MOSLTOV
+Gecko Tape Gloves
+GPS
+MCT Gun Pit
+Smart Pouch System, Ammunition Pouch
+Butt Pack
+Microwire (100 m)
+Grapple Gun
+Rappelling Gloves
Power Focus (Bonded Foci) Rating 4
Sustaining Focus (Health) (Bonded Foci) Rating 2[/spoiler]
Only thing I'm not sure about is whether or not he was expected to pay the nuyen cost of his foci, or just the karma cost.