Freelancer Clarification

[Resgrath]

I would like to tack a question onto this thread, about freelancer armor proficiency purchases, which also apply to weapon, BAB and saves. So my question is that should one purchase heavy armor proficiency the total for that would be 12 jp? Based on the fact that it is worded "costs another 6 jp" which stacks with the 4 for medium and 2 for light. Is this correct? Also is Defensive focus 20jp from sword saint class, then 10 jp later when it gains the ability to make threatened area difficult terrain?