<?xml version="1.0" encoding="US-ASCII" ?>
<template unique_id="g22w10e5:-hb3b31jso6ro" version="1">
	<advantage_list>
		<advantage_container version="2" open="yes" type="race">
			<name>Familiar, Undine</name>
			<reference>DF5:29</reference>
			<advantage_container version="2" open="no">
				<name>Advantages</name>
				<advantage version="2">
					<name>Amphibious</name>
					<type>Physical, Exotic</type>
					<base_points>10</base_points>
					<reference>B40</reference>
					<categories>
						<category>Advantage</category>
					</categories>
				</advantage>
				<advantage version="2">
					<name>Doesn't Breathe</name>
					<type>Physical, Exotic</type>
					<base_points>20</base_points>
					<modifier version="1" enabled="no">
						<name>Gills</name>
						<cost type="percentage">-50</cost>
						<affects>total</affects>
						<reference>B49</reference>
					</modifier>
					<modifier version="1" enabled="no">
						<name>Gills</name>
						<cost type="points">-20</cost>
						<affects>total</affects>
						<reference>B49</reference>
						<notes>Suffocates in air</notes>
					</modifier>
					<modifier version="1" enabled="no">
						<name>Oxygen Absorption</name>
						<cost type="percentage">-25</cost>
						<affects>total</affects>
						<reference>B49</reference>
					</modifier>
					<modifier version="1" enabled="no">
						<name>Oxygen Storage</name>
						<cost type="percentage">-50</cost>
						<affects>total</affects>
						<reference>B49</reference>
						<notes>Can hold breath 25 times as long as normal</notes>
					</modifier>
					<modifier version="1" enabled="no">
						<name>Oxygen Storage</name>
						<cost type="percentage">-40</cost>
						<affects>total</affects>
						<reference>B49</reference>
						<notes>Can hold breath 50 times as long as normal</notes>
					</modifier>
					<modifier version="1" enabled="no">
						<name>Oxygen Storage</name>
						<cost type="percentage">-30</cost>
						<affects>total</affects>
						<reference>B49</reference>
						<notes>Can hold breath 100 times as long as normal</notes>
					</modifier>
					<modifier version="1" enabled="no">
						<name>Oxygen Storage</name>
						<cost type="percentage">-20</cost>
						<affects>total</affects>
						<reference>B49</reference>
						<notes>Can hold breath 200 times as long as normal</notes>
					</modifier>
					<modifier version="1" enabled="no">
						<name>Oxygen Storage</name>
						<cost type="percentage">-10</cost>
						<affects>total</affects>
						<reference>B49</reference>
						<notes>Can hold breath 300 times as long as normal</notes>
					</modifier>
					<modifier version="1" enabled="no">
						<name>Oxygen Combustion</name>
						<cost type="percentage">-50</cost>
						<affects>total</affects>
						<reference>B49</reference>
					</modifier>
					<reference>B49</reference>
					<categories>
						<category>Advantage</category>
					</categories>
				</advantage>
				<advantage version="2">
					<name>Extra Hit Points</name>
					<type>Physical</type>
					<levels>5</levels>
					<points_per_level>2</points_per_level>
					<modifier version="1" enabled="no">
						<name>Size</name>
						<cost type="percentage">-10</cost>
						<levels>1</levels>
						<affects>total</affects>
					</modifier>
					<modifier version="1" enabled="no">
						<name>No Fine Manipulators</name>
						<cost type="percentage">-40</cost>
						<affects>total</affects>
					</modifier>
					<reference>B16</reference>
					<categories>
						<category>Advantage</category>
						<category>Attribute</category>
					</categories>
					<attribute_bonus>
						<attribute>hp</attribute>
						<amount per_level="yes">1</amount>
					</attribute_bonus>
				</advantage>
				<advantage version="2">
					<name>Increased Dexterity</name>
					<type>Physical</type>
					<levels>2</levels>
					<points_per_level>20</points_per_level>
					<modifier version="1" enabled="no">
						<name>No Fine Manipulators</name>
						<cost type="percentage">-40</cost>
						<affects>total</affects>
					</modifier>
					<reference>B15</reference>
					<categories>
						<category>Advantage</category>
						<category>Attribute</category>
					</categories>
					<attribute_bonus>
						<attribute>dx</attribute>
						<amount per_level="yes">1</amount>
					</attribute_bonus>
				</advantage>
				<advantage version="2">
					<name>Increased Health</name>
					<type>Physical</type>
					<levels>2</levels>
					<points_per_level>10</points_per_level>
					<reference>B14</reference>
					<categories>
						<category>Advantage</category>
						<category>Attribute</category>
					</categories>
					<attribute_bonus>
						<attribute>ht</attribute>
						<amount per_level="yes">1</amount>
					</attribute_bonus>
				</advantage>
				<advantage version="2">
					<name>Increased Perception</name>
					<type>Mental/Physical</type>
					<levels>1</levels>
					<points_per_level>5</points_per_level>
					<reference>B16</reference>
					<categories>
						<category>Advantage</category>
						<category>Attribute</category>
					</categories>
					<attribute_bonus>
						<attribute>perception</attribute>
						<amount per_level="yes">1</amount>
					</attribute_bonus>
				</advantage>
				<advantage version="2">
					<name>Injury Tolerance (Homogenous)</name>
					<type>Physical, Exotic</type>
					<base_points>40</base_points>
					<reference>B60</reference>
					<categories>
						<category>Advantage</category>
					</categories>
				</advantage>
				<advantage version="2">
					<name>Pressure Support</name>
					<type>Physical, Exotic</type>
					<levels>2</levels>
					<points_per_level>5</points_per_level>
					<reference>B77</reference>
					<categories>
						<category>Advantage</category>
					</categories>
				</advantage>
				<advantage version="2">
					<name>Resistant</name>
					<type>Physical</type>
					<modifier version="1">
						<name>Metabolic Hazards</name>
						<cost type="points">30</cost>
						<affects>total</affects>
						<reference>B80</reference>
					</modifier>
					<modifier version="1" enabled="no">
						<name>@Common: Poison, Sickness, etc.@</name>
						<cost type="points">15</cost>
						<affects>total</affects>
						<reference>B81</reference>
					</modifier>
					<modifier version="1" enabled="no">
						<name>@Occasional: Disease, Ingested Poison, etc.@</name>
						<cost type="points">10</cost>
						<affects>total</affects>
						<reference>B81</reference>
					</modifier>
					<modifier version="1" enabled="no">
						<name>@Rare: Acceleration, Altitude Sickness, Bends, Seasickness, Space Sickness, Nanomachines, etc.@</name>
						<cost type="points">5</cost>
						<affects>total</affects>
						<reference>B81</reference>
					</modifier>
					<modifier version="1">
						<name>Immunity</name>
						<cost type="multiplier">1</cost>
						<reference>B81</reference>
					</modifier>
					<modifier version="1" enabled="no">
						<name>+8 to all HT rolls to resist</name>
						<cost type="multiplier">0.5</cost>
						<reference>B81</reference>
					</modifier>
					<modifier version="1" enabled="no">
						<name>+3 to all HT rolls to resist</name>
						<cost type="multiplier">0.33</cost>
						<reference>B81</reference>
					</modifier>
					<reference>B81</reference>
					<categories>
						<category>Advantage</category>
					</categories>
				</advantage>
			</advantage_container>
			<advantage_container version="2" open="no">
				<name>Disadvantages</name>
				<advantage version="2">
					<name>Decreased Strength</name>
					<type>Physical</type>
					<levels>5</levels>
					<points_per_level>-10</points_per_level>
					<reference>B14</reference>
					<categories>
						<category>Attribute</category>
						<category>Disadvantage</category>
					</categories>
					<attribute_bonus>
						<attribute>st</attribute>
						<amount per_level="yes">-1</amount>
					</attribute_bonus>
				</advantage>
				<advantage version="2">
					<name>Dependency (Mana)</name>
					<type>Physical, Exotic</type>
					<modifier version="1" enabled="no">
						<name>Rarity: Rare</name>
						<cost type="points">-30</cost>
						<affects>total</affects>
						<reference>B130</reference>
					</modifier>
					<modifier version="1" enabled="no">
						<name>Rarity: Occasional</name>
						<cost type="points">-20</cost>
						<affects>total</affects>
						<reference>B130</reference>
					</modifier>
					<modifier version="1" enabled="no">
						<name>Rarity: Common</name>
						<cost type="points">-10</cost>
						<affects>total</affects>
						<reference>B130</reference>
					</modifier>
					<modifier version="1">
						<name>Rarity: Very Common</name>
						<cost type="points">-5</cost>
						<affects>total</affects>
						<reference>B130</reference>
					</modifier>
					<modifier version="1" enabled="no">
						<name>Illegal</name>
						<cost type="points">-5</cost>
						<affects>total</affects>
						<reference>B130</reference>
					</modifier>
					<modifier version="1">
						<name>Frequency: Constantly</name>
						<cost type="multiplier">5</cost>
						<reference>B130</reference>
						<notes>Lose 1 HP per minute without it</notes>
					</modifier>
					<modifier version="1" enabled="no">
						<name>Frequency: Hourly</name>
						<cost type="multiplier">4</cost>
						<reference>B130</reference>
						<notes>Lose 1 HP per 10 minutes after missing a hourly dose</notes>
					</modifier>
					<modifier version="1" enabled="no">
						<name>Frequency: Daily</name>
						<cost type="multiplier">3</cost>
						<reference>B130</reference>
						<notes>Lose 1 HP per hour after missing a daily dose</notes>
					</modifier>
					<modifier version="1" enabled="no">
						<name>Frequency: Weekly</name>
						<cost type="multiplier">2</cost>
						<reference>B130</reference>
						<notes>Lose 1 HP per six hours after missing a weekly dose</notes>
					</modifier>
					<modifier version="1" enabled="no">
						<name>Frequency: Monthly</name>
						<cost type="multiplier">1</cost>
						<reference>B130</reference>
						<notes>Lose 1 HP per day after missing a monthly dose</notes>
					</modifier>
					<modifier version="1" enabled="no">
						<name>Frequency: Seasonally</name>
						<cost type="multiplier">0.33333</cost>
						<reference>B130</reference>
						<notes>Lose 1 HP per 3 days after missing a seasonal dose</notes>
					</modifier>
					<modifier version="1" enabled="no">
						<name>Frequency: Yearly</name>
						<cost type="multiplier">0.1</cost>
						<reference>B130</reference>
						<notes>Lose 1 HP per 2 weeks after missing a yearly dose</notes>
					</modifier>
					<modifier version="1" enabled="no">
						<name>Aging</name>
						<cost type="percentage">30</cost>
						<affects>total</affects>
						<reference>B130</reference>
						<notes>Age 2 years for each HP lost due to this dependency</notes>
					</modifier>
					<reference>B130</reference>
					<categories>
						<category>Disadvantage</category>
					</categories>
				</advantage>
				<advantage version="2">
					<name>Invertebrate</name>
					<type>Physical, Exotic</type>
					<base_points>-20</base_points>
					<reference>B140</reference>
					<categories>
						<category>Disadvantage</category>
					</categories>
				</advantage>
				<advantage version="2">
					<name>Vulnerability</name>
					<type>Physical, Exotic</type>
					<modifier version="1">
						<name>Dehydration Attacks</name>
						<cost type="points">-5</cost>
						<affects>total</affects>
						<reference>B161</reference>
					</modifier>
					<modifier version="1" enabled="no">
						<name>@Occasional attack@</name>
						<cost type="points">-10</cost>
						<affects>total</affects>
						<reference>B161</reference>
					</modifier>
					<modifier version="1" enabled="no">
						<name>@Common attack@</name>
						<cost type="points">-15</cost>
						<affects>total</affects>
						<reference>B161</reference>
					</modifier>
					<modifier version="1" enabled="no">
						<name>@Very common attack@</name>
						<cost type="points">-20</cost>
						<affects>total</affects>
						<reference>B161</reference>
					</modifier>
					<modifier version="1">
						<name>Wounding x2</name>
						<cost type="multiplier">2</cost>
						<reference>B161</reference>
					</modifier>
					<modifier version="1" enabled="no">
						<name>Wounding x3</name>
						<cost type="multiplier">3</cost>
						<reference>B161</reference>
					</modifier>
					<modifier version="1" enabled="no">
						<name>Wounding x4</name>
						<cost type="multiplier">4</cost>
						<reference>B161</reference>
					</modifier>
					<modifier version="1" enabled="no">
						<name>Fatigue Only</name>
						<cost type="percentage">-50</cost>
						<affects>total</affects>
						<reference>B161</reference>
					</modifier>
					<reference>B161</reference>
					<categories>
						<category>Disadvantage</category>
					</categories>
				</advantage>
			</advantage_container>
			<advantage_container version="2" open="no">
				<name>Features</name>
				<advantage version="2">
					<name>Decreased Size</name>
					<type>Physical, Exotic</type>
					<levels>3</levels>
					<reference>B19</reference>
					<categories>
						<category>Feature</category>
					</categories>
					<attribute_bonus>
						<attribute>sm</attribute>
						<amount per_level="yes">-1</amount>
					</attribute_bonus>
				</advantage>
			</advantage_container>
		</advantage_container>
		<advantage_container version="2" open="no">
			<name>Master of Undine Familiar</name>
			<reference>DF5:20</reference>
			<advantage version="2">
				<name>Ally (Undine Familiar)</name>
				<type>Social</type>
				<modifier version="1">
					<name>Point total</name>
					<cost type="points">1</cost>
					<affects>total</affects>
					<reference>B37</reference>
					<notes>25% of your starting points</notes>
				</modifier>
				<modifier version="1" enabled="no">
					<name>Point total</name>
					<cost type="points">2</cost>
					<affects>total</affects>
					<reference>B37</reference>
					<notes>50% of your starting points</notes>
				</modifier>
				<modifier version="1" enabled="no">
					<name>Point total</name>
					<cost type="points">3</cost>
					<affects>total</affects>
					<reference>B37</reference>
					<notes>75% of your starting points</notes>
				</modifier>
				<modifier version="1" enabled="no">
					<name>Point total</name>
					<cost type="points">5</cost>
					<affects>total</affects>
					<reference>B37</reference>
					<notes>100% of your starting points</notes>
				</modifier>
				<modifier version="1" enabled="no">
					<name>Point total</name>
					<cost type="points">10</cost>
					<affects>total</affects>
					<reference>B37</reference>
					<notes>150% of your starting points</notes>
				</modifier>
				<modifier version="1">
					<name>Appears constantly</name>
					<cost type="multiplier">4</cost>
					<reference>B36</reference>
					<notes>No roll required</notes>
				</modifier>
				<modifier version="1" enabled="no">
					<name>Appears almost all the time</name>
					<cost type="multiplier">3</cost>
					<reference>B36</reference>
					<notes>15-</notes>
				</modifier>
				<modifier version="1" enabled="no">
					<name>Appears quite often</name>
					<cost type="multiplier">2</cost>
					<reference>B36</reference>
					<notes>12-</notes>
				</modifier>
				<modifier version="1" enabled="no">
					<name>Appears fairly often</name>
					<cost type="multiplier">1</cost>
					<reference>B36</reference>
					<notes>9-</notes>
				</modifier>
				<modifier version="1" enabled="no">
					<name>Appears quite rarely</name>
					<cost type="multiplier">0.5</cost>
					<reference>B36</reference>
					<notes>6-</notes>
				</modifier>
				<modifier version="1" enabled="no">
					<name>Group of 6-10</name>
					<cost type="multiplier">6</cost>
					<reference>B37</reference>
				</modifier>
				<modifier version="1" enabled="no">
					<name>Group of 11-20</name>
					<cost type="multiplier">8</cost>
					<reference>B37</reference>
				</modifier>
				<modifier version="1" enabled="no">
					<name>Group of 21-50</name>
					<cost type="multiplier">10</cost>
					<reference>B37</reference>
				</modifier>
				<modifier version="1" enabled="no">
					<name>Group of 51-100</name>
					<cost type="multiplier">12</cost>
					<reference>B37</reference>
				</modifier>
				<modifier version="1" enabled="no">
					<name>Group of 101-1000</name>
					<cost type="multiplier">18</cost>
					<reference>B37</reference>
				</modifier>
				<modifier version="1" enabled="no">
					<name>Group of 1001-10000</name>
					<cost type="multiplier">24</cost>
					<reference>B37</reference>
				</modifier>
				<modifier version="1" enabled="no">
					<name>Group of 10001-100000</name>
					<cost type="multiplier">30</cost>
					<reference>B37</reference>
				</modifier>
				<modifier version="1" enabled="no">
					<name>Group of 100001-1000000</name>
					<cost type="multiplier">36</cost>
					<reference>B37</reference>
				</modifier>
				<modifier version="1" enabled="no">
					<name>Minion</name>
					<cost type="percentage">50</cost>
					<affects>total</affects>
					<reference>B38</reference>
				</modifier>
				<modifier version="1" enabled="no">
					<name>Minion</name>
					<cost type="percentage">0</cost>
					<affects>total</affects>
					<reference>B38</reference>
					<notes>IQ 0 or Slave Mentality</notes>
				</modifier>
				<modifier version="1">
					<name>Special Abilities</name>
					<cost type="percentage">50</cost>
					<affects>total</affects>
					<reference>B38</reference>
				</modifier>
				<modifier version="1">
					<name>Summonable</name>
					<cost type="percentage">100</cost>
					<affects>total</affects>
					<reference>B38</reference>
				</modifier>
				<modifier version="1">
					<name>Sympathy</name>
					<cost type="percentage">-25</cost>
					<affects>total</affects>
					<reference>B38</reference>
					<notes>Death of one party reduces the other to 0 HP</notes>
				</modifier>
				<modifier version="1" enabled="no">
					<name>Sympathy</name>
					<cost type="percentage">-5</cost>
					<affects>total</affects>
					<reference>B38</reference>
					<notes>Death of one party reduces the other to 0 HP and wounds affect ally but not you</notes>
				</modifier>
				<modifier version="1" enabled="no">
					<name>Sympathy</name>
					<cost type="percentage">-50</cost>
					<affects>total</affects>
					<reference>B38</reference>
					<notes>Death of one party kills the other</notes>
				</modifier>
				<modifier version="1" enabled="no">
					<name>Sympathy</name>
					<cost type="percentage">-10</cost>
					<affects>total</affects>
					<reference>B38</reference>
					<notes>Death of one party kills the other and wounds affect ally but not you</notes>
				</modifier>
				<modifier version="1" enabled="no">
					<name>Unwilling</name>
					<cost type="percentage">-50</cost>
					<affects>total</affects>
					<reference>B38</reference>
				</modifier>
				<modifier version="1" enabled="no">
					<name>Favor</name>
					<cost type="multiplier">0.2</cost>
					<reference>B55</reference>
				</modifier>
				<reference>B36</reference>
				<categories>
					<category>Advantage</category>
				</categories>
			</advantage>
			<advantage version="2">
				<name>Energy Reserve (Magic)</name>
				<type>Physical, Exotic</type>
				<levels>6</levels>
				<points_per_level>3</points_per_level>
				<modifier version="1" enabled="no">
					<name>Abilities Only</name>
					<cost type="percentage">-10</cost>
					<affects>total</affects>
					<reference>P119</reference>
				</modifier>
				<modifier version="1" enabled="no">
					<name>One Power</name>
					<cost type="percentage">-50</cost>
					<affects>total</affects>
					<reference>P117</reference>
				</modifier>
				<modifier version="1" enabled="no">
					<name>Slow Recharge</name>
					<cost type="percentage">-20</cost>
					<affects>total</affects>
					<reference>P117</reference>
					<notes>1/hour</notes>
				</modifier>
				<modifier version="1" enabled="no">
					<name>Slow Recharge</name>
					<cost type="percentage">-60</cost>
					<affects>total</affects>
					<reference>P117</reference>
					<notes>1/day</notes>
				</modifier>
				<modifier version="1" enabled="no">
					<name>Special Recharge</name>
					<cost type="percentage">-70</cost>
					<affects>total</affects>
					<reference>P117</reference>
				</modifier>
				<modifier version="1" enabled="no">
					<name>Special Recharge</name>
					<cost type="percentage">-80</cost>
					<affects>total</affects>
					<reference>P117</reference>
					<notes>1/s bleed</notes>
				</modifier>
				<modifier version="1" enabled="no">
					<name>Stunts Only</name>
					<cost type="percentage">-10</cost>
					<affects>total</affects>
					<reference>P117</reference>
				</modifier>
				<modifier version="1">
					<name>Drains Familiar</name>
					<cost type="percentage">-50</cost>
					<affects>total</affects>
					<reference>DF5:20</reference>
				</modifier>
				<reference>P119</reference>
				<notes>The level of this should be half your familiar's FP, rounded down</notes>
				<categories>
					<category>Advantage</category>
					<category>Attribute</category>
				</categories>
			</advantage>
			<advantage_container version="2" open="no">
				<name>Special Abilities</name>
				<modifier version="1">
					<name>Granted by Familiar</name>
					<cost type="percentage">-40</cost>
					<affects>total</affects>
					<reference>DF5:20</reference>
				</modifier>
				<advantage version="2">
					<name>Amphibious</name>
					<type>Physical, Exotic</type>
					<base_points>10</base_points>
					<reference>B40</reference>
					<categories>
						<category>Advantage</category>
					</categories>
				</advantage>
				<advantage version="2">
					<name>Doesn't Breathe</name>
					<type>Physical, Exotic</type>
					<base_points>20</base_points>
					<modifier version="1">
						<name>Gills</name>
						<cost type="percentage">-50</cost>
						<affects>total</affects>
						<reference>B49</reference>
					</modifier>
					<modifier version="1" enabled="no">
						<name>Gills</name>
						<cost type="points">-20</cost>
						<affects>total</affects>
						<reference>B49</reference>
						<notes>Suffocates in air</notes>
					</modifier>
					<modifier version="1" enabled="no">
						<name>Oxygen Absorption</name>
						<cost type="percentage">-25</cost>
						<affects>total</affects>
						<reference>B49</reference>
					</modifier>
					<modifier version="1" enabled="no">
						<name>Oxygen Storage</name>
						<cost type="percentage">-50</cost>
						<affects>total</affects>
						<reference>B49</reference>
						<notes>Can hold breath 25 times as long as normal</notes>
					</modifier>
					<modifier version="1" enabled="no">
						<name>Oxygen Storage</name>
						<cost type="percentage">-40</cost>
						<affects>total</affects>
						<reference>B49</reference>
						<notes>Can hold breath 50 times as long as normal</notes>
					</modifier>
					<modifier version="1" enabled="no">
						<name>Oxygen Storage</name>
						<cost type="percentage">-30</cost>
						<affects>total</affects>
						<reference>B49</reference>
						<notes>Can hold breath 100 times as long as normal</notes>
					</modifier>
					<modifier version="1" enabled="no">
						<name>Oxygen Storage</name>
						<cost type="percentage">-20</cost>
						<affects>total</affects>
						<reference>B49</reference>
						<notes>Can hold breath 200 times as long as normal</notes>
					</modifier>
					<modifier version="1" enabled="no">
						<name>Oxygen Storage</name>
						<cost type="percentage">-10</cost>
						<affects>total</affects>
						<reference>B49</reference>
						<notes>Can hold breath 300 times as long as normal</notes>
					</modifier>
					<modifier version="1" enabled="no">
						<name>Oxygen Combustion</name>
						<cost type="percentage">-50</cost>
						<affects>total</affects>
						<reference>B49</reference>
					</modifier>
					<reference>B49</reference>
					<categories>
						<category>Advantage</category>
					</categories>
				</advantage>
			</advantage_container>
			<advantage version="2">
				<name>Special Rapport (Familiar)</name>
				<type>Mental, Supernatural</type>
				<base_points>5</base_points>
				<modifier version="1" enabled="no">
					<name>One Way</name>
					<cost type="percentage">20</cost>
					<affects>total</affects>
					<reference>P77</reference>
				</modifier>
				<modifier version="1" enabled="no">
					<name>Transferable</name>
					<cost type="percentage">100</cost>
					<affects>total</affects>
					<reference>P78</reference>
					<notes>Own Race</notes>
				</modifier>
				<modifier version="1" enabled="no">
					<name>Transferable</name>
					<cost type="percentage">150</cost>
					<affects>total</affects>
					<reference>P78</reference>
					<notes>Living Being</notes>
				</modifier>
				<modifier version="1" enabled="no">
					<name>Transferable</name>
					<cost type="percentage">150</cost>
					<affects>total</affects>
					<reference>P78</reference>
					<notes>Digital Minds</notes>
				</modifier>
				<modifier version="1" enabled="no">
					<name>Transferable</name>
					<cost type="percentage">250</cost>
					<affects>total</affects>
					<reference>P78</reference>
					<notes>Any Sapient mind</notes>
				</modifier>
				<modifier version="1" enabled="no">
					<name>Must be Willing or Helpless</name>
					<cost type="percentage">-50</cost>
					<affects>total</affects>
					<reference>P78</reference>
				</modifier>
				<reference>B88</reference>
				<categories>
					<category>Advantage</category>
				</categories>
			</advantage>
		</advantage_container>
	</advantage_list>
	<skill_list>
		<skill_container version="2" open="no">
			<name>Familiar, Undine</name>
			<skill version="2">
				<name>Stealth</name>
				<encumbrance_penalty_multiplier>1</encumbrance_penalty_multiplier>
				<difficulty>DX/A</difficulty>
				<points>2</points>
				<reference>B222</reference>
				<categories>
					<category>Criminal/Street</category>
					<category>Police</category>
					<category>Spy</category>
				</categories>
				<default>
					<type>IQ</type>
					<modifier>-5</modifier>
				</default>
				<default>
					<type>DX</type>
					<modifier>-5</modifier>
				</default>
			</skill>
			<skill version="2">
				<name>Swimming</name>
				<encumbrance_penalty_multiplier>2</encumbrance_penalty_multiplier>
				<difficulty>HT/E</difficulty>
				<points>2</points>
				<reference>B224</reference>
				<categories>
					<category>Athletic</category>
					<category>Outdoor/Exploration</category>
				</categories>
				<default>
					<type>HT</type>
					<modifier>-4</modifier>
				</default>
			</skill>
		</skill_container>
	</skill_list>
</template>
