This page explains how Isabella Joy Xu (USATT# 98155)'s rating went from 2097 to 2039 at the 2019 JOOLA North American Teams held on 29 Nov 2019 - 1 Dec 2019. 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.