Characters are not kept in a single data file. They live in a Chars\ folder: an index.chr roster holds one lightweight entry per character, and each character's full record lives in its own per-character .dat file that is loaded on demand the first time that character is opened.

Data in this file includes

The roster entry (index.chr)

One lightweight row per character, enough to populate the character tree without loading the full record:

• Identity — The character's name, its race, the party it belongs to, and whether it is a player character or an NPC.
• File Reference — The internal filename of the per-character record file that holds the full sheet.
• Display Details — Cached text shown in the roster columns: character type (Core Rules or Skills & Powers), player name, party, race, composed class display, level, and kit — kept in step with the full record so the roster can be drawn without loading it.

The full character record (per-character .dat)

The complete character sheet, loaded on demand:

• Identity & Rules Set — Name, the player who runs the character, a version string, and which rules the character is built under (Core Rules, Skills & Powers, or the later Core Rules v3).
• Race & Class — Race and sub-race, the composed multi-class display, the character kit, and alignment.
• Party & Role — The party the character belongs to and whether it is an NPC.
• Physical Description — Height, weight, age, gender, eye and hair color, complexion, handedness, and the portrait image (directory and filename).
• Birth & Family — Date and place of birth, or a link to a shared family record (the family link and the local birth details are mutually exclusive).
• Ability Scores — The six core abilities (Strength, Dexterity, Constitution, Intelligence, Wisdom, Charisma), plus the Skills & Powers split sub-abilities each one divides into (such as Stamina/Muscle for Strength and Aim/Balance for Dexterity), and the exceptional-Strength percentile. From these the record derives each ability's effects — combat and encumbrance modifiers, thief-skill adjustments, saving-throw and spell bonuses, and so on.
• Classes & Advancement — For each of up to five multi-class slots: the class name, experience points earned, and the hit points rolled at each character level.
• Hit Points & Status — Current hit points and whether the character is out of play (retired or dead).
• Racial Abilities — The racial abilities the character possesses.
• Weapon Proficiencies — Specific-weapon, broad-group, and tight-group proficiencies; weapon specializations; the graded weapon-mastery fields (weapon of choice, expertise, mastery, high and grand mastery, and race/kit-granted weapon focuses); Skills & Powers fighting styles; shield proficiencies; and unarmed-combat abilities (punching, wrestling, martial arts).
• Non-Weapon Proficiencies & Skills — Non-weapon proficiencies with their score columns, secondary background skills, known languages, armor currently worn, and kit-granted free proficiencies.
• Spells — The wizard and priest spells the character knows, the spells memorized per class slot and spell level, immunities granted by high Wisdom, and the optional-magic flags (spell points and high-Intelligence bonus spells).
• Traits & Disadvantages — The Skills & Powers character traits and disadvantages taken.
• History — Free-form prose: social standing, personal history, and a major life event.
• Inventory — Nine categorized inventory bundles: animals, daily food/lodging, carried, readied, stored, worn, money, services, and transportation.
• Adventure Log — A log of adventures, each recording its title, campaign, and DM; a start and end date; a snapshot of the character's level and alignment at the time; experience earned; fellow adventurers; treasures gained; notes and diary segments; and free-form lists of knowledge gained and NPCs of note.