Starting Rings:
Air 2 (Awareness 4)
Earth 2
Fire 2
Water 2
Void 2

Starting Skills:
Artisan: Ikebana 1
Artisan: Poetry 1
Courtier 1
Etiquette 1
Games: Sadane 1
Perform: Song 1
Sincerity 1

Advantages:
Darling of the Court: Hanabi Mura (-1 XP)
Inheritance: Falcon (-2 XP)
Luck (-3 XP)
Sage (-4 XP)
Seven Fortunes' Blessing: Benten (-3 XP)
Voice (-2 XP)

Disadvantage:
Small (+3 XP)

XP (88 after Advantages and Disadvantages):
Trait: Awareness 5: 20 XP
Trait: Reflexes 3: 12 XP
Trait: Willpower 3: 12 XP
Trait: Stamina 3: 12 XP
High Skill: Calligraphy 1: 1 XP
High Skill: Courtier 3: 5 XP
High Skill: Etiquette 3: 5 XP
High Skill: Investigation 2: 3 XP
High Skill: Perform: Song 4: 6 XP
High Skill: Sincerity 3: 5 XP
High Skill: Tea Ceremony 1: 1 XP
Bugei Skill: Athletics 1: 1 XP
Bugei Skill: Defense 1: 1 XP
Bugei Skill: Horsemanship 1: 1 XP
Bugei Skill: Hunting 1: 1 XP
Bugei Skill: Jiujutsu 1: 1 XP
Merchant Skill: Animal Handling 1: 1 XP

Insight:
Ring: Air 3: 30 Insight
Ring: Earth 3: 30 Insight
Ring: Fire 2: 20 Insight
Ring: Water 2: 20 Insight
Ring: Void 2: 20 Insight
High Skill: Artisan: Ikebana 1: 1 Insight
High Skill: Artisan: Poetry 1: 1 Insight
High Skill: Calligraphy 1: 1 Insight
High Skill: Courtier 3: 3 Insight + 3 Insight
High Skill: Etiquette 3: 3 Insight + 3 Insight
High Skill: Investigation 2: 2 Insight
High Skill: Perform: Song 4: 4 Insight
High Skill: Sincerity 3: 3 Insight
High Skill: Tea Ceremony 1: 1 Insight
Bugei Skill: Athletics 1: 1 Insight
Bugei Skill: Defense 1: 1 Insight
Bugei Skill: Horsemanship 1: 1 Insight
Bugei Skill: Hunting 1: 1 Insight
Bugei Skill: Jiujutsu 1: 1 Insight
Merchant Skill: Animal Handling 1: 1 Insight
Total: 151 Insight