[1.2.335] Guild Overhaul

Perhaps I'm blind, but how do you actually allot points into the skills and use them? I mean, we've seen the UI window in Justin's post, but can any guild member allot the points/use the skills, or is it just a privilege of junior masters/guild masters?

Also, I hope no one is complaining anymore about losing 500 GP for a guild member quitting when you gain 500 for someone joining