final 2025 rating (computed with this exact formula on the real 2025
season), scaled by the carryover % and your own offseason adjustment, both editable in Admin.
Ratings recompute from scratch each week using every opponent's rating as of the previous week,
with a recency damping factor to stop the numbers from compounding out of control
over a full season — without it, ratings blow up into the billions by Week 18. Margin of victory
doesn't affect the rating itself — only who won — but scores are stored so the scoreboard can show
real results. Spread formula: half the gap between the two teams' ranks, with the home team
getting a flat home-field bonus baked in, both tunable in Admin. This is a view toggle, not real
login security — anyone with the link and the PIN can reach Admin mode.