Modular Abilities (Slotted Cosmic) 22 [24] 
    Physical Advantages Only [+50%] 
    Limited [-50%] 
        Only Advantages following the template listed below 
    Reduced Duration (x1/60) [-35%] 
    Magical [-10%] 
    Spell Components [-40%] 
        Must say "skill" in Latin 
        Must gesture with hands 
        Must touch someone that knows the desired skill(s) 
            Or the caster can share their own skills 
Level 2+ [+1/level] 
    Increase Modular Abilities by 1 level [+5 base] 

Template: 
Affliction [21 + Cost of Skill(s)] 
    Skill [] 
        Any set of skills at or below the level known by the 
            subject touched at casting time 
    Malediction (As Regular Spell) [+100%] 
    Based on Activation Roll [+5%] 
Level 2 [+5] 
    Increase Malediction to Speed/Range table [+50%] 
Level 3 [+10] 
    Add Area Effect (2 yard radius) [+50%] 
Levels 4+ [+5/level] 
    Increase Area Effect by 1 step [+50%]