Well here's the curious thing about it being -3. Back on page PP 248 (right side 4th paragraph) it says if you want to be a practitioner with ritual, channeling, and a sponsored magic, then that'll be -8 refresh. That's all fine and dandy. -2 ritual, -2 channeling, and -4 for generic sponsored magic. Then right below that it says if you have soulfire instead of generic sponsored magic then you'll be at -9 refresh. -2 ritual, -2 channeling, and -5 for soulfire.