This page explains how William T. Garrard (USATT# 42037)'s rating went from 1657 to 1651 at the 1996 U.S. Nationals held on - 22 Dec 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.