What happens with excess mastery?

For Example Aire is an Elf (+1 Marksmanship) with Ranger (+2) and Archer (+2) so a total of 5 mastery so a total mastery of Marksmanship. Now we add a Sniper profession (+2 Marksmanship)

Several Possibilities:

- Marksmanship goes to 7: it's useless but someday there might be a 7 level skill

- Marksmanship stays at 5 and the 2 points are lost for ever

( Marksmanship stays at 5 but you get a refund of 2 points as free physical skill points

Same question with physical, magical or versatile points allocated in the skill tree. Can we get a refund of the allocated points if with profession points only we reach the maximum ?

Maybe a potion for points reset? a minor version of oblivion potion...

For each mastery point, your character get the bonus points assocated with the mastery. Mouse over the mastery icon to see what bonuses are given for each point assigned to the mastery. These continue to be assigned even when no new skills can be obtained.