Now she has a perfect reason not to allow her kids to get their driver's license in a few years, and even better a one to tell them "no" when they ask for a car
Did you double check that Hero Designer is set on 5th edition and not 6th edition?
Buy my math in 5th your reserve should have 12 AP and 8 real points, but in 6th it should have 15 AP and 10 real.