The relevant rule is at the top right of p62 "Bump Down with Mastery" (last sentence) "Bump downs come from masteries, never hero points".
That said, if it's more fun to allow a bump down you should consider allowing it.
-- -- "The T'ang emperors were strong believers in the pills of immortality. More emperors died of poisoning from ingesting minerals in the T'ang than in any other dynasty" - Eva Wong _The Shambhala Guide to Taoism_ Paul K.
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