Clarification about attributes and races

Morelion

I skimmed forums about this topic and even makers posts seems to be sometimes contradictory.

So fundamentally I got 2 questions:

are humans the only race that is not forbidden from getting 20 in any of the statistics naturally? (with maximum of +2 from knowledge)
does having -2 to attribute means it cost more to get it to max (16) then other unmodified stats, similar how +3 gives you discount on points that are used for character creation and raises your max possible points

Specter

are humans the only race that is not forbidden from getting 20 in any of the statistics naturally? (with maximum of +2 from knowledge)

Yep.

does having -2 to attribute means it cost more to get it to max (16) then other unmodified stats, similar how +3 gives you discount on points that are used for character creation and raises your max possible points

Nope. The lower max is just a penalty for having a bonus elsewhere, but it doesn't take more points to raise it.