So how exactly does it work? Is it incremental? I'm well past the number of no-penalty skills afforded by BL4, but I noticed that the time required to learn BL5 has jumped from 6 days and change to 7 days and change to now 8 days and change.
It's a percentage (I think it's 3%, but I don't promise). So for each skill you start past your limit, that percentage of the time is added in to each remaining skill.