Notice the character record ends at location AD. This makes each character record 174 bytes long. I wish the record was 4 bytes longer. All the records would then start at a word boundary, but who am I to complain. All values are in hex.
The fields not underlined are unknown. However, with this information, you can create really kick-butt characters. Watch out whenever you train. When you gain a level, you age a year. The file structure and equipment list was helped a great deal by the document by Stargazer(74076,1101).
When you give yourself items, go into M&M and USE the item. If it says No Charges, you need to modify the charges field for the corresponding item. If it says No Special Powers, you don't need to modify the charges field.