Backgrounds are character features that give your character extra bonuses based on their prior experiences before the beginning of the adventure, such as their former careers, hobbies, or circumstances of birth. Backgrounds must be purchased with character points, and only during the character creation process before the start of the campaign. You may have any number of backgrounds, as long as you meet their requirements.
To choose more or higher-value backgrounds, earn extra character points to your starting balance by choosing flaws.
Career backgrounds describe jobs your character has had before they decided to become an adventurer. Your career background determines your starting equipment and currency balance. Each background also gives your character one or more bonuses to skills, knowledges, and/or specialties.
You may have any number of career backgrounds. Your starting currency balance is whichever of your backgrounds' is highest. You gain all the skill bonuses and equipment from each of your backgrounds.
All career backgrounds are upgrades, meaning they can be taken multiple times - but still only during character creation. If you take the same career background multiple times, you gain multiple instances of its equipment and skill bonuses, but not its currency balance.
General backgrounds describe the circumstances of your character's past life and upbringing, as well as any special talents they have. These backgrounds don't give you any equipment and don't list currency balances.