Here is my try, of an unbalanced Char (for Submerged):
-3 Item of Power
+2 Item Bonus, a Cloak
-2 Glamours
-1 Beast Change*
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-1
* The Char turns into an D&D Succubus (with non-functional Wings).
-2 Ritual: Item Creation
-4 Supernatural Recovery
+3 Catch: Salt
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-1
+1 Human Form
-1 - Emotional Vampire**
-1 - Incite Emotion**
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-1
** When using this Powers, the Char. gains black Eyes and and the room temperature gets higher (think Withe Court, only warmer instead of colder), small Horns sprout…
-1 Refinement x 4 -4
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-4
(10 Focus Item Slots) +5 Item Crafting Power Focus, 10 Enchanted Item Slots.
Skills:
Superb 2: Lore, Resources
Great 2: Athletics, Deceit
Good 2: Presence, Guns
Fair 3: Alertness, Athletics, Endurance
Average 5: Conviction, Driving, Contacts, Fists, Discipline
After Beast Change:
Superb 2: Deceit, Guns
Great 2: Alertness, Athletics
Good 2: Endurance, Discipline
Fair 3: Conviction, Fists, Weapons
Average 5: Driving, Contacts, Investigation, Lore, Presence
Enchanted Items:
Knife: Opens a Door into the NeverNever.
(Strength 6, 5 uses per Session) --> 1 Enchanted Slot.
Shield Bracelet: +8 Block or +4 Armor (Duration 3 exchanges), 7 Uses per Session --> 4 Enchanted Item Slots.
An enchanted Chain: +10 Weapons attack (to Hit is with Guns), 9 Uses per Session --> 5 Enchanted Item Slots.