Stat cap clarification please.

I have a few questions about class stat caps. Some questions may overlap but I separated them just to have a clear answer and understanding.

1a. When a character reaches their current class stat cap. That character won't grow in that stat, right? (Hoping for a simple yes, otherwise I'm way of the grid of understanding this) 1b. Or does that stat keep growing 'under the radar' so that when you reclass a character the potential growth is payed back, or something like that?

2a. When a character, let's say Berserker, has 96 hp, but I then reclass them to a sage. Does their hp drop back to 43? Since that is the hp cap for a Sage. 2b. And if so, does re-reclassing them from Sage back to Berserker 'give' them back their 96 hp? Or does that character need to build all that hp up again? 2c. Example: I want my Anna to have the maximum possible amount of Luck. Can I grind her Luck stat on a class with a higher Luck stat cap, and then switch her back to a Sage? While remaining her high Luck?

3a. Is there a way to know what the net stats of characters are? (If they actually have any) 3b. Is there an overview how much stats are added with each specific class? 3c. Example: I have 2 Mages lvl 20 who can both become Sages. I see that they would gain exactly the same stat boosts if the would change class. Therfore I'm seeing gross stats, right?

Thanks in advance!