Is this some kind of a bug?

Is this a bug? Whenever I place 2 points in to melee, bow or firearms, it says that I have an average of 65% to hit. However, this time it was an odd number of 49%. When Virgil got his own 2 points, he had 65%, where as I, with 3 points, have 63%.

I tried starting new games but it appears that any character I make has the same problem.

I am not crippled or anything. No "red" stats, nothing...

Help!

 

Race?
Items equipped?
Are you getting this percentage from the combat screen or from the paper doll?

 

Isn't accuracy dependent on the enemy too ?

 

I discovered what was causing this. I changed the difficulty to "hard". When I change it back to "moderate" it becomes 65%.

This is great news. Now I wont level up with such speed.