Underwater Spellcasting

Is there a rule or guideline I've missed when it comes to spellcasting underwater? Can a spell be cast underwater if you the spellcaster can breathe water (per the spell)? Do you need to make a Swim check to cast a spell with a semantic component underwater?

How does the aquatic subtype affect those answers?

Since I'm sure the standard D&D books say very little about this, can someone recommend a 3rd party underwater set of rules? (Please indicate how those rules answer the above questions when recommending said rules.)

Thanks.
 

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No hard rules.
You can treat it like deafness, a percentage miss chance.
Casting a spell in a storm is like Concentration check DC 20 or something.
You can treat it like that.
A swim check for somatic component is a good idea.
Freedom of movement spell would mean no problems.
And don't forget air if your underwater.
One round per Con point if in combat.

More later,

Vahktang
 

By the rules, there are simply no such disadvantages to casting underwater (either by verbal or somatic components or anything else).

The rules do dictate a modification to fire-based spells cast underwater, but that's it.
 

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