This page explains how Ray Thrift (USATT# 10962)'s rating went from 1138 to 1137 at the Memorial Holiday Open of Pensa held on - 29 May 2004. 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.