I have a quick question on stunts. I saw in the book that each stunt cost -1 refresh. I swear I saw somewhere in the book that you get 2 stunts per refresh do to them not being as powerful as powers. I looked at the premade characters in the back and got more confused. Some chars like Jim Flanagan on page 376 has 5 stunts... but only a -3 refresh. Both premade on 377 have the same thing. 4 stunts each with a total of -2 refresh.

Then on 379 the two priests match the rules. One has 3 stunts and Bless this House at a -4, and the other has 2 stunts and -3 of powers for a total of -5 refresh.

So I am confused. If it because the cops have no powers and thus 100% pure mortal? Or am I missing something all together.