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Is it possible to add the non-occupational +20% to Language(own) and achieve 100% at character creation?

I'm basing my character creation off of this [CthulhuWiki page](https://cthulhuwiki.chaosium.com/investigators/step-three-occupation-and-skills.html#sample-investigator-occupations), which says this about Language(own):

> A character’s Mother Tongue. Choose the language best known to your investigator, such as English. The starting value is equal to the character’s Regular EDU score

Which means if your character had a regular EDU of 80% it starts at 80%.

But the page also says:

> Pick four nonoccupation skills and boost them by 20% (adding 20 to the skill base values listed next to the skills on the investigator sheet).

Is it correct that the base value is considered 80%?

Is there any exception that I've missed, that means this couldn't result in a Language(Own) of 80+20=100%?