Simply put - on character generation the maximum buy-out is to 20 in a racial preference/adjustment ability. It is 16 in a racial penalty ability. It is 18 in all other abilities.
Therefore, your maximum ability (prior to item enhancements) will be 24.
I just ran this on the game to verify.
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Quantum materiae materietur marmota monax si marmota monax materiam possit materiari?<br /><br />Vah! Denuone Latine loquebar? Me ineptum. Interdum modo elabitur.<br /><br />Di! Ecce hora! Uxor mea me necabit!
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