Just a couple questionsFollow

1.) At what level can you get a last name? I thought it was 20, like EQ1, but I've seen at least 2 people below lvl 20 with surnames.
2.) This is a little more complicated. I've noticed in my game manual that every race has certain resists (it'll say something like Dark Elves: Mental: 2%). When I ding, I notice that most or all of my resists go up quite a bit. Yet when I log and come back, my resists are all gone (except the ones I get from armor). What's up with that? Is this supposed to happen, or is it a glitch? Is my book outdated?
Thanks in advance!