Calculation for Cumberland, Tenn.

Cumberland, Tenn.         Oppon.    Game
   Opponent      Result   Rating   Rating   Weight   Product   Effect
--------------   ------   ------   ------   ------   -------   ------
Austin Peay       LOSS     511.5    411.5    1.00      411.5    -36.8
Campbellsville    WIN      409.6    509.6    1.00      509.6    +61.3
KY Christian      WIN      180.5    280.5    0.05       14.0     -8.4
W. Virginia Tech  WIN      240.3    340.3    0.05       17.0     -5.4
Lindsey Wilson    WIN      335.7    435.7    0.05       21.8     -0.6
Shorter           WIN      427.3    527.3    1.00      527.3    +79.0
Faulkner          LOSS     369.7    269.7    1.00      269.7   -178.6
Bethel, Tenn.     WIN      410.4    510.4    1.00      510.4    +62.1
Union, Ky.        WIN      430.2    530.2    1.00      530.2    +81.9
Belhaven          WIN      381.4    481.4    1.00      481.4    +33.1
Cumberland, Ky.   LOSS     460.8    360.8    1.00      360.8    -87.5
                                            =====    =======
                                             8.15     3653.7
                              3653.7
Cumberland, Tenn.'s rating =  ------ =  448.3
                               8.15

     Team            Rating      Effect
   ---------------   ------      ------
   Austin Peay        511.5 LOSS  -36.8 Division I-AA
   Cumberland, Ky.    460.8 LOSS  -87.5 NAIA
   Faulkner           369.7 LOSS -178.6 NAIA
>> Cumberland, Tenn.  448.3 <<
   Union, Ky.         430.2 WIN   +81.9 NAIA
   Shorter            427.3 WIN   +79.0 NAIA
   Bethel, Tenn.      410.4 WIN   +62.1 NAIA
   Campbellsville     409.6 WIN   +61.3 NAIA
   Belhaven           381.4 WIN   +33.1 NAIA
   Lindsey Wilson     335.7 WIN    -0.6 NAIA
   W. Virginia Tech   240.3 WIN    -5.4 NAIA
   KY Christian       180.5 WIN    -8.4 NAIA