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it's basically bivariate normal distribution with Talent and Effort. both important.

e.g) people who put in the same level of effort will be mapped to a rating based on their talent. and vice versa

but I do believe talent has a higher SD than effort. It's very easy to increase your rating if you are smart, and some rating is simply unachievable even if you push top 0.1% of effort with median talent.

The actual rating of this user is 1533.

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