Frostbite

Regular; Resisted by HT 
Lowers the temperatures in the body tissues of the subject, causing damage or death. Affects the whole victim if cast from a distance; if cast by touch, damage is limited to the part touched. Armor does not protect.

Duration: Damage is permanent until healed. 
Cost: 1 per die of damage done, up to 3. 
Time to cast: 3 seconds. 
Prerequisites: Frost and Freeze.

Item 
Wand or staff. Usable only by mages; the item must touch the subject. 
Cost to create: 700 energy, $500 spell materials, and a $500 blue gem.