This page explains how Herman J. Ginsburg (USATT# 1372)'s rating went from 1381 to 1312 at the 1996 Millcreek Open held on - 3 Nov 1996. 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.