And to clarify, the character's base attribute must be 100. bonuses from items or spells do not count for this purpose.
Also, several items actually give you a bonus to an expert skill. And if you don't already possess the skill, you get it at that level (eg Iron Skin 10) but it wont go up from use like a normal skill until you unlock it by getting the attribute (eg Vitality) to 100
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