Inherited Virtues and Flaws

It makes sense to reread Matt Ryan's clarification on Virtues and Flaws during Apprentices p.32ff Hermetic Apprenticeship.

This and the texts in Apprentices p.10f leads me to answer you this way:

Quite explicitly, AFAICS.

Yes.

Not unless they have already manifested before the Teaching of the Hermetic Virtue. It is in Apprentices also, to allow effects of standard ArM5 character generation.

That is just bonus fun for your troupe. :nerd_face: One of the Magical Foci goes during Teaching the Hermetic Virtue..