Let's say I take my first level in Rogue, and max out my Use Magic Device skill, which means 4 ranks. If I take the next level in Scout, then UMD is cross-class, with a rank max of 2.5. My ranks are already above the max, so I'm assuming I can't improve it any further?
Also, if this is true, what's the advantage of the Able Learner feat from Races of Destiny? I can't think of any reasonable case where you'd cross-class without an XP penalty and be able to benefit from that feat.
Also also, any other discussion about skillful characters, problems regarding skill levels, and how to resolve said problems is welcome. Forewarned is forearmed, eh?
Also also also, Mjolnir. A Throwing, Returning Warhammer of Chain Lightning. That'd be cool.