OK I made these cards so my players could have there item of power on them with all its stats and only have to write the refresh cost and name on there character sheet to save space. I hope others find this useful as well.

https://rapidshare.com/files/1159211855/The_Dresden_Files_RPG_Item_of_Power_Refernece_Card.pdf

I'm starting a campaign where all the players are starting at 4 refresh. Pure mortals are 6. All other templates are allowed but at creation no powers may be selected, only stunts. As the game progresses powers start developing after the first major. Any must that are part of your template has to be taken before additional powers... its a little bit of a stretch from the original rules but I think it will be fun to play a group of "in the dark" mortals turning into supernatural heavy weights over time. What I need advise on is what i should use as monsters for such low refresh. At first I plan to throw them mainly against mortals or low level beastys that are veiled so no one can tell they are not human. The idea is the players will eventually begin to deal with things that can't be possible until they work their way "into the know". Anyone have any advise for me on what I should consider throwing them against. Please don't post here if you are going to tell me that the concept can't work due to rules. I am aware of that fact and my players are interested in the concept so we are going with it... I'm mainly looking for advise on how to avoid murdering characters with that low of a refresh... thanks.

I was wondering how to go about stating ghosts in game. I have a player who is a ectomancer and calls up ghosts to do his biding similar to a summon and binding. I was wondering if anyone has had experience with this in game and how to go about deciding how powerful a ghost should be in comparison to spell strength or any examples of ghosts people have used in game. Thxs