Skill rolls are very straight-forward; they follow the method of resolution listed above. Making attacks and casting spells are also considered skill rolls and they follow the same basic rules. Combat and Magic rolls will also often have additional effects or factors involved, and those are explained in the respective chapters on each.
Characters may always attempt a skill roll, even if they have no ranks in the skill. In such cases, the character still receives any associated Stat Bonus. Skills that involve any sort of lore or knowledge may have their difficulties increased by 1 or 2 rating levels. There is always the chance that the character overheard some tidbit of knowledge and then forgot about it, but retrieving that knowledge that they don’t really know that they have should always be more difficult than retrieving knowledge from lessons learned.