This page explains how Daniel Guttman (USATT# 20650)'s rating went from 974 to 973 at the NJTTC Monday League event from 24 Jun 2008. 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.