This page explains how Rachel Fang Zhou (USATT# 86581)'s rating went from 1981 to 1963 at the 2016 JOOLA NA Teams held on 25 Nov 2016 - 27 Nov 2016. 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.