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.
Where does it say that in the rules? On page 143 of 6e1 when it discusses adjustment powers on defensive powers it specifically says that it isn't one.