This page explains how Bill Hubner (USATT# 17488)'s rating went from 1040 to 1004 at the Heart of FL Open held on - 17 Sep 2005. The links below take you to pages that describe various aspects of the rating processor.

The rating processor goes through 4 passes in order. The links take you to pages that provide detailed explanations of the calculations during each of the 4 passes.