It's -75 with the quirks.
you can take -55 points from the template
And take -15 points fromthe lens (WhyWe Fight, MH1 p. 7).
And -5 points in quirks.
As indicated on MH1 p. 26
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"Heroes built “from scratch,” using the rules in this chapter, should also have a -75-point limit, following the same -55/-15/-5 breakdown regardless of power level."
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Originally Posted by ericthered
No, it does not.
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Ninja'd!