Event: Combined Banks and Insurance Chess League 2003-04

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Opponent	Rating	Result
Stephen H Berry	0	0 - 1
Ian N Heppell	0	0 - 1
Daniel Tunkel	0	1 - 0

performance = (sum(opponents ratings) + 400(wins-losses)) / games

-133 = (0 + 400 * (1 - 2)) / 3)