Will I be able to max out all three of my chocobo's skill trees? (Read carefully)

[Iplewhelmed]

So I'm currently training my chocobo and he's now rank 14. His skill trees are as follows:
Attack: 10 (maxed)
Defense: 7
Heal: 4

I did some research and according to a lot of sites, at rank 20 you will have received enough SP to max out all three skill trees. But will I be able to do that on my chocobo? Here are my calculations on how future SP distrubution would look:

SP received at rank 15: 10
Spare SP since last rank: 2
10 + 2 = 12 SP total available at rank 15.
8 SP goes to Defense, which means 12 - 8 = 4.
5 SP is needed for the next healing skill, so I leave these 4 SP alone.

SP received at rank 16: 10
Spare SP since last rank: 4
10 + 4 = 14 SP total available at rank 16.
9 SP goes to defense, which means 14 - 9 = 5.
5 SP goes to healing, which means I have 0 SP left.

SP received at rank 17: 11
Since I have no spare SP since last rank, I have only 11 to work with.
10 SP goes to defense, which means 11 - 10 = 1 SP left.

(cont)