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Allocate a few points, with 0 points defaulting to +0. Do some sort of basic stats/skills - Strength, Agility, Smarts, Toughness or something like that.
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Original: Sadly, I think it's out of print now, but Car Wars does exactly that, and it's quite fun as long as you don't mind the requirement for maps. Edit: It looks like there might be some sort of re-release of Car Wars 4th ed, which (according to the Wikipedia article) has some role playing material as well.
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