No worries, that's why I posted them.
I did realize last night that it is possible to have a 12 stress track within the RAW. So I guess my "fudge" of the stress track was actually correct. I also realized after I posted the NPC sheet that the consequence track could cause some confusion, so I will rework that section and repost it later this weekend. If anyone has any other suggestions, I'll take 'em.