Do you mean the characters for the adventure, or those in the character creation section?
Those in the adventure, I would assume, are not only fully created using character creation, but probably have some experience.
The characters in the character creation section I think are fully created as well. However, if you really need to know, you could always count the points.
------------------ Tony Fanchi Homer "Here are your messages, Mr. Burns."<reads> "'You have one hour to move your car.' 'You have ten minutes to move your car.' 'Your car has been impounded.' 'Your car has been crushed into a cube.' 'You have one hour to move your cube.'" <phone rings, Homer answers> "Hello, Mr. Burns' office?"