A terramancer, aquamancer and pyromancer at Submerged level with Channelling and Ritual of their respective elements but the remaining -5 refresh taking other powers to represent the expression of their magical abilities.
Welcome to the board, jack.
Anyway, I don't feel like writing up three backstories right now. But every element seems mechanically interesting, so here's a set of three possible writeups for the same person.
Susan Xiao (Submerged)
Magic is a fascinating thing. Some people, when they discover it, become absolutely consumed by its study. And Susan is one of those people. Her powers emerged when she was a teenager, and she promptly dropped out of school to try and perfect them. Her parents didn't approve, people thought she was crazy, and she sort of ended up as a hermit. But she's pretty happy nonetheless.
High Concept: Terramancer Hermit
Trouble Aspect: Obsessed With Magic
Other Aspects: Leave Me Alone!, Rock Steady
Skills: Superb: Lore
Great: Conviction, Discipline, Might
Good: Endurance, Survival, Alertness
Fair: Athletics, Investigation, Craftsmanship
Average: Stealth, Presence, Scholarship
Powers:Channelling (Earth) [-2]
Ritual (Geomancy) [-2]
Supernatural Senses [-2] (Tremorsense, detect metals and stone, analyse metals and stone)
Limitation [+1] (Must spend a supplemental action while on solid ground to create stone armour)
Supernatural Toughness [-4]
Magic:Foci: ring (+1 geomancy control)
Enchanted Items: stoneskin necklace (6 shift block against attacks, 5 times/session) 2 potion slots (power 5, 1 use/session)
Total Refresh Cost:-9
Refresh Total:1
High Concept: Aquamancer Hermit
Trouble Aspect: Obsessed With magic
Other Aspects: Leave Me Alone!, Deep As The Ocean
Skills: Superb: Lore
Great: Discipline, Conviction
Good: Survival, Endurance, Athletics
Fair: Stealth, Scholarship, Alertness, Investigation
Average: Presence, Intimidation, Might, Craftsmanship, Fists
Powers:Channelling (Water) [-2]
Ritual (Hydromancy) [-2]
Aquatic [-1]
Supernatural Sense [-1] (Detects water)
Limitation [+3] (These Powers only function underwater)
Refinement [-2]
Supernatural Recovery [-4]
Magic:Foci: gauntlets (+2 offensive water power and control, only while underwater), crown of coral (+2 hydromancy complexity), amulet (+1 hydromancy control)
Enchanted Items: 2 potion slots (power 5, 1 use/session)
Total Refresh Cost:-9
Refresh Total:1
High Concept: Pyromancer Hermit
Trouble Aspect: Obsessed With Magic
Other Aspects: Leave Me Alone!, Fiery Temper
Skills: Superb: Conviction
Great: Discipline, Athletics, Intimidation
Good: Lore, Endurance, Survival
Fair: Might, Alertness, Investigation
Average: Presence, Scholarship, Craftsmanship
Powers:Channelling (Fire) [-2]
Ritual (Pyromancy) [-2]
Damage Shield [-1]
Super-Dangerous Aura [-4]
Magic:Foci: staff (+3 offensive fire control), ring (+1 offensive fire power)
Total Refresh Cost:-9
Refresh Total:1