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They get three -2 HLs, and one -4, giving them a more painful version of what Solars have, and similar to what Lunars have, but not all out better than either.

I have been using this house rule for a few months, and my players seem to love it. You may ignore any training time, but only with a stunt, and the channeling of an appropriate Virtue. It's simple, and it really works quite well.