Also, with FT - the break even point there is 8. So, if you put in 7 or less they will decline, 8 they stay the same, and 9 or more they improve.
From my knowledge the break even points for the different attributes are
8 - FT
7 - Spd, Reb, FW, BH, P
4 - LP, PE.
I always go with 20 on conditioning no matter what, except in rare instances.