"There are five skill thresholds you'll need to reach in order to access the higher level benefits skill specialization yields. While your skill may start at five or 15 depending on what you've assigned yourself, it needs to reach 20 to access the next tier of skill benefits. The tier names are novice, apprentice, journeyman, expert, and master. As an example, if you're able to increase your armorer skill the master level, you can repair items beyond 100 percent, whereas at lower levels you may only be able to restore it to 50 percent and be restricted from repairing magical items. At the highest levels of the mercantile skill you're even able to invest in stores and turn a profit."