So, as I'm reading it, does this mean that we would need to spend 15 category points in the HP/MP submenu by, say 8 for HP and 7 for MP for totals of 23 and 22 (respectively) in order to reach 45 (if you wanted both HP and MP), or does this mean that the caps for HP/MP are still 15 and we could hold 45 merits in queue?

Thank you!