Diminished Spellcasting (Templar)

[Viladin]

There's a bit of a misconception about the Diminished Spellcasting trait for templar.
"A templar gains fewer MP than normal equal to the spell level she gains. For example, a white mage of 5th level would only have 4 MP excluding extra MP from Wisdom bonus."

How do you determine this MP loss?

Every time a templar would gain MP from getting a new spell level... for example, at 3rd level, a white mage would gain access to 2nd level spells, a templar would not gain MP for that level.

I guess it does sound a little complicated, I'll probably just make a MP list for Templar.