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Skills are learned from repeated success in an action.  Skills provide percentile "+X" bonuses to rolls when performing actions.

Usurper, Learnable Skills:

Skill LinkNotesPrereqsMax Ranks
Harvesting Skills
Forager:+3: Harvest Food-10
Woodsman :+3: Harvest Lumber-10
Tree-Hugger:+4: Harvest Lumber, Higher QualityWoodsman[5]10
Stonecutter:+3: Harvest Stone-10
Stone-Singer:+4: Harvest Stone, Higher QualityStonecutter[5]10
Pickaxe-User:+3: Harvest Iron-10
Vein-Seeker:+4: Harvest Iron, Higher QualityPickaxe-User[5]10
Digger:+3: Harvest Gold-10
Economy Skills
Mason:+3: Construction, Renovation-10
Artisan:+3: Crafting-10
Scout:+3: Scouting-10
Spy:+3: Scouting - Enemy Unit Composition-10
Bard: ♥+3: Explore-10
Negotiator: ♥+3: Diplomacy-10
Combat Skills
Courage: ♦+3: Morale Rolls-10
Leadership: ♥+2: Combat-10
Outmaneuver: ♦Opposed Roll: Can grant 1 extra round of ranged combat.-5
Aggressor: ♦+3: Offense & Damage-10
Pernicious: ♦Force Cumulative Morale PenaltyAggressor[5]5
Parry: ♦+3: Defense & Damage Reduction-10
Warder: ♦Force Opponent to re-prioritize targetParry [5]5
Tactics: ♥Multiple uses.  Provides early combat advantage.-10

♥ : Leader only skills.
♦ : Unit only skills.
Each skill begins at "0" until acquired.  Even for Units that begin with similar bonuses.  Once a skill is acquired it then becomes Skill Rank: 1.  The bonus listed is multiplied by the Rank for the total bonus.  Thus, a Unit of Dwarves with "Smith[3]" (Smith Skill to Rank 3) would have a +9 bonus to that activity.

Maximum Skill Rank is 10 for basic skills and 5 for advanced skills.

Note that Rank of Skill and Level of the Unit itself are different.