According to YS, when you set your game at the "Submerged" power level, you could conceivably combine templates. Does anyone know how the minimum refresh cost would be affected then? Let's say someone wanted to be a Focused Practitioner and an Emissary of Power. Would the minimum refresh costs of [-2] and [-1] (respectively) simply combine to just total [-3]? Or is there a rule for template-mashing that I'm missing?