Current Standard Grading | 171 |
---|---|

Current Rapid Grading | 163 |

Grading code | 109791L |

Current (2019) ECF Member Number | 010685 |

From competitions in play from September 2009 onwards, opponents' gradings are fetched automatically from the ECF site. A missing grading implies that the player lists do not contain a valid Grade Code for that person, or that the present grade is blank. From 2011-12, grades are published in both July and January; both grades are listed.

**Note:** Cup results (if any) follow the oldest league results.

## 2019-20 Coventry League Division 1 | Standard Grading 171 | |||||
---|---|---|---|---|---|---|

date | for | board | against | result | ||

08 Oct 2019 | Kenilworth (A) | 2 | Green, Anthony J | 169 | Nuneaton A | 1 |

1 out of 1 (excluding defaults) = 100% | ||||||

## 2019-2020 Leamington League Division 1 | Standard Grading 171 | |||||

date | for | board | against | result | ||

09 Sep 2019 | Kenilworth A (A) | 4 | Shearsby, Jude | 141 | Kenilworth B | 0.5 |

23 Sep 2019 | Kenilworth A (H) | 4 | Byrne, Nigel | 144 | Solihull B | 1 |

24 Sep 2019 | Kenilworth B (A) | 2 | Lloyd, Alan D | 183 | Olton A | 0.5 |

30 Sep 2019 | Kenilworth A (H) | 4 | Ward, Eric | 146 | Shirley and Wythall A | 1 |

14 Oct 2019 | Kenilworth A (A) | 3 | Cox, Jonathan | 162 | Rugby A | 0 |

17 Oct 2019 | Kenilworth B (A) | 1 | Jackson, James P | 226 | Banbury A | 0 |

3 out of 6 (excluding defaults) = 50% | ||||||

## 2018-19 Coventry League Division 1 | Standard Gradings 171, 175 | |||||

date | for | board | against | result | ||

02 Oct 2018 | Kenilworth (A) | 2 | Wildig, Robert H | 177 | Rugby A | 0.5 |

09 Oct 2018 | Kenilworth (A) | 2 | Orishko, Ostap | 152 | Warwick University A | 0.5 |

16 Oct 2018 | Kenilworth (H) | 2 | Pollock, Andy | 173 | Warwick University B | 1 |

30 Oct 2018 | Kenilworth (H) | 2 | Ireland, David J | 173 | Coventry Chess A | 0.5 |

20 Nov 2018 | Kenilworth (A) | 2 | Paterson, Andrew I | 180 | Nuneaton A | 0 |

08 Jan 2019 | Kenilworth (H) | 2 | Reid, Patrick | 164 | Rugby A | 0 |

15 Jan 2019 | Kenilworth (H) | 2 | Moss, Guy | 212 | Warwick University A | 0 |

22 Jan 2019 | Kenilworth (A) | 2 | Jina, Taran | 177 | Warwick University B | 0 |

29 Jan 2019 | Kenilworth (A) | 2 | Ireland, David J | 173 | Coventry Chess A | 0.5 |

26 Feb 2019 | Kenilworth (H) | 2 | Paterson, Andrew I | 182 | Nuneaton A | 0.5 |

3.5 out of 10 (excluding defaults) = 35% | ||||||

## 2018-2019 Leamington League Division 1 | Standard Gradings 171, 175 | |||||

date | for | board | against | result | ||

01 Oct 2018 | Kenilworth A (A) | 4 | Jimenez, Frank C | 122 | Shirley and Wythall A | 1 |

05 Nov 2018 | Kenilworth A (H) | 3 | Darling, Tom | 154 | Leamington Oak House A | 0.5 |

11 Dec 2018 | Kenilworth A (A) | 3 | Cundy, Mark A | 167 | Olton A | 0.5 |

17 Dec 2018 | Kenilworth A (H) | 4 | Carpenter, Raymond | 152 | Solihull A | 1 |

18 Feb 2019 | Kenilworth A (H) | 4 | Thomas, David R | 145 | Shirley and Wythall A | 0.5 |

04 Mar 2019 | Kenilworth A (H) | 4 | Rumsby, Stephen | 126 | Banbury A | 1 |

18 Mar 2019 | Kenilworth A (A) | 4 | Turner, Simon | 166 | Rugby A | 1 |

25 Mar 2019 | Kenilworth A (H) | 4 | Wallman, Robert J | 148 | Olton A | 1 |

09 Apr 2019 | Kenilworth A (A) | 4 | Khemoudj, Omar | 116 | Leamington Oak House A | 1 |

7.5 out of 9 (excluding defaults) = 83.33% | ||||||

## 2018-2019 Leamington League Division 2 | Standard Gradings 171, 175 | |||||

date | for | board | against | result | ||

10 Sep 2018 | Kenilworth B (H) | 1 | Charnley, Bernard | 157 | Kenilworth C | 0.5 |

18 Sep 2018 | Kenilworth B (A) | 1 | Jackson, Gary C | 162 | Banbury B | 1 |

25 Sep 2018 | Kenilworth B (A) | 1 | Liszewski, Richard | 152 | Olton B | 1 |

23 Oct 2018 | Kenilworth B (A) | 1 | McNally, Richard JE | 159 | Stratford A | 1 |

29 Oct 2018 | Kenilworth B (H) | 1 | Thomas, David R | 153 | Shirley and Wythall B | 1 |

28 Nov 2018 | Kenilworth B (A) | 1 | Willetts, Stephen J | 170 | Daventry A | 0 |

11 Dec 2018 | Kenilworth B (H) | 1 | Rowan, Daniel | 155 | Banbury C | 0.5 |

07 Jan 2019 | Kenilworth B (A) | 1 | Charnley, Bernard | 157 | Kenilworth C | 0.5 |

21 Jan 2019 | Kenilworth B (H) | 1 | Reynolds, Richard C | 150 | Olton B | 0.5 |

11 Feb 2019 | Kenilworth B (H) | 1 | Rowan, Paul | 174 | Banbury B | 0.5 |

11 Mar 2019 | Kenilworth B (H) | 1 | McNally, Richard JE | 163 | Stratford A | 1 |

01 Apr 2019 | Kenilworth B (A) | 1 | Thomas, David R | 145 | Shirley and Wythall B | 1 |

16 Apr 2019 | Kenilworth B (A) | 1 | Rowan, Daniel | 158 | Banbury C | 0.5 |

29 Apr 2019 | Kenilworth B (H) | 1 | Willetts, Stephen J | 169 | Daventry A | 0 |

9 out of 14 (excluding defaults) = 64.29% | ||||||

## 2017-18 Coventry Divisional A | Standard Gradings 158, 165 | |||||

date | for | board | against | result | ||

24 Oct 2017 | Kenilworth (A) | 3 | Kearney, David J | 155 | Nuneaton B | 1 |

29 Jan 2018 | Kenilworth (A) | 2 | Harris, John | 121 | Coventry Chess B | 1 |

2 out of 2 (excluding defaults) = 100% | ||||||

## 2017-18 Coventry League Division 1 | Standard Gradings 158, 165 | |||||

date | for | board | against | result | ||

03 Oct 2017 | Kenilworth (A) | 3 | Wildig, Robert H | 175 | Rugby A | 0.5 |

17 Oct 2017 | Kenilworth (H) | 4 | Sit, Victoria | 160 | Warwick University B | 0.5 |

31 Oct 2017 | Kenilworth (H) | 4 | Manickam, Saravanna Bava | 134 | Coventry Chess A | 1 |

07 Nov 2017 | Kenilworth (H) | 3 | Buckler, Robert | 141 | Nuneaton A | 1 |

14 Nov 2017 | Kenilworth (A) | 3 | Ward, Andy | 154 | Coventry Academy A | 1 |

21 Nov 2017 | Kenilworth (A) | 3 | Kearney, David J | 155 | Nuneaton B | 0.5 |

09 Jan 2018 | Kenilworth (H) | 4 | _walkover | - | Rugby A | 1 |

16 Jan 2018 | Kenilworth (A) | 3 | Sit, Victoria | 160 | Warwick University B | 1 |

23 Jan 2018 | Kenilworth (A) | 4 | Green, Colin J | 152 | Nuneaton A | 0.5 |

30 Jan 2018 | Kenilworth (H) | 4 | Maher, Mike P | 149 | Nuneaton B | 0.5 |

13 Feb 2018 | Kenilworth (H) | 3 | Phillips, Alan | 158 | Coventry Academy A | 0.5 |

20 Feb 2018 | Kenilworth (A) | 3 | Goodwin, Ed H | 152 | Coventry Chess A | 0.5 |

06 Mar 2018 | Kenilworth (A) | 4 | Moss, Guy | 201 | Warwick University A | 0 |

8.5 out of 13 (excluding defaults) = 65.38% | ||||||

## 2017-2018 Leamington League Division 1 | Standard Gradings 158, 165 | |||||

date | for | board | against | result | ||

12 Sep 2017 | Kenilworth A (A) | 3 | Vikanis, Georgs | 169 | Banbury A | 0.5 |

11 Oct 2017 | Kenilworth A (A) | 4 | Stokes, Geoffrey N | 132 | Solihull B | 1 |

19 Dec 2017 | Kenilworth A (A) | 4 | Cundy, Mark A | 172 | Olton A | 0 |

12 Feb 2018 | Kenilworth A (H) | 4 | Summerfield, Julian H | 148 | Solihull B | 1 |

12 Mar 2018 | Kenilworth A (H) | 4 | Gundry, Arran | 166 | Banbury A | 1 |

19 Mar 2018 | Kenilworth A (H) | 4 | Smith, Richard W | 169 | Olton A | 0.5 |

27 Mar 2018 | Kenilworth A (A) | 4 | Gill, Rob | 160 | Leamington Oak House A | 1 |

23 Apr 2018 | Kenilworth A (H) | 3 | Christie, Gordon SG | 152 | Shirley and Wythall A | 0.5 |

5.5 out of 8 (excluding defaults) = 68.75% | ||||||

## 2017-2018 Leamington League Division 2 | Standard Gradings 158, 165 | |||||

date | for | board | against | result | ||

11 Sep 2017 | Kenilworth B (H) | 2 | Mottram, Nick | 126 | Kenilworth C | 1 |

27 Sep 2017 | Kenilworth B (A) | 2 | Foulds, Andrew | 138 | Daventry A | 1 |

04 Oct 2017 | Kenilworth B (A) | 2 | Stokes, Geoffrey N | 132 | Solihull C | 0.5 |

24 Oct 2017 | Kenilworth B (H) | 2 | Rowan, Paul | 156 | Banbury C | 0.5 |

06 Nov 2017 | Kenilworth B (A) | 2 | Phillips, David | 144 | Rugby A | 0.5 |

13 Nov 2017 | Kenilworth B (H) | 2 | Searle, Colin | 156 | Stratford A | 0.5 |

27 Nov 2017 | Kenilworth B (H) | 2 | Freeman, John | 146 | Shirley and Wythall B | 1 |

05 Dec 2017 | Kenilworth B (A) | 2 | Staples, Neil | 161 | Banbury B | 0.5 |

08 Jan 2018 | Kenilworth B (A) | 2 | Watson, Roy G | 126 | Kenilworth C | 1 |

05 Feb 2018 | Kenilworth B (H) | 2 | Reid, Patrick | 166 | Rugby A | 1 |

26 Feb 2018 | Kenilworth B (H) | 2 | Green, John | 128 | Solihull C | 1 |

05 Mar 2018 | Kenilworth B (A) | 2 | Freeman, John | 144 | Shirley and Wythall B | 0.5 |

26 Mar 2018 | Kenilworth B (H) | 2 | Staples, Neil | 161 | Banbury B | 0.5 |

09 Apr 2018 | Kenilworth B (H) | 2 | Foulds, Andrew | 136 | Daventry A | 0.5 |

17 Apr 2018 | Kenilworth B (A) | 2 | Rowan, Paul | 154 | Banbury C | 0.5 |

10.5 out of 15 (excluding defaults) = 70% | ||||||

## 2016-17 Coventry Divisional A | Standard Gradings 153, 154 | |||||

date | for | board | against | result | ||

25 Oct 2016 | Kenilworth (H) | 2 | Blackburn, Clive | 113 | Coventry D | 1 |

29 Nov 2016 | Kenilworth (H) | 2 | Turner, Simon | 158 | Rugby A | 0.5 |

13 Dec 2016 | Kenilworth (H) | 2 | Green, Anthony J | 170 | Nuneaton B | 1 |

07 Feb 2017 | Kenilworth (A) | 3 | Cosham, Oliver RB | 108 | Nuneaton C | 1 |

21 Mar 2017 | Kenilworth (H) | 2 | Morris, Nigel | 127 | Coventry B | 0.5 |

04 Apr 2017 | Kenilworth (A) | 2 | Jones, Howard | 130 | Coventry C | 1 |

5 out of 6 (excluding defaults) = 83.33% | ||||||

## 2016-17 Coventry League Division 1 | Standard Gradings 153, 154 | |||||

date | for | board | against | result | ||

04 Oct 2016 | Kenilworth (A) | 4 | Turner, Simon | 158 | Rugby A | 0 |

11 Oct 2016 | Kenilworth (H) | 2 | Daskalov, Dimiter | University A | 0 | |

01 Nov 2016 | Kenilworth (H) | 3 | Kearney, David J | 160 | Nuneaton B | 0.5 |

15 Nov 2016 | Kenilworth (A) | 4 | Buckler, Robert | 135 | Nuneaton A | 0.5 |

22 Nov 2016 | Kenilworth (A) | 3 | Goodwin, Ed H | 160 | Coventry A | 0.5 |

10 Jan 2017 | Kenilworth (H) | 4 | Reid, Patrick | 155 | Rugby A | 0.5 |

17 Jan 2017 | Kenilworth (H) | 4 | Turvey, Steven S | 141 | University B | 0.5 |

31 Jan 2017 | Kenilworth (H) | 3 | Goodwin, Ed H | 160 | Coventry A | 0.5 |

14 Feb 2017 | Kenilworth (H) | 4 | Buckler, Robert | 140 | Nuneaton A | 0.5 |

21 Feb 2017 | Kenilworth (A) | 2 | Green, Anthony J | 170 | Nuneaton B | 0.5 |

4 out of 10 (excluding defaults) = 40% | ||||||

## 2016-2017 Leamington League Division 1 | Standard Gradings 153, 154 | |||||

date | for | board | against | result | ||

11 Apr 2017 | Kenilworth A (A) | 4 | _default | - | Leamington Oak House A | 1 |

0 out of 0 (excluding defaults) = -% | ||||||

## 2016-2017 Leamington League Division 2 | Standard Gradings 153, 154 | |||||

date | for | board | against | result | ||

05 Sep 2016 | Kenilworth B (H) | 2 | Mottram, Nick | 126 | Kenilworth C | 1 |

12 Sep 2016 | Kenilworth B (A) | 2 | Christie, Gordon SG | 149 | Shirley and Wythall B | 0.5 |

19 Sep 2016 | Kenilworth B (H) | 2 | Byrne, Nigel | 137 | Solihull C | 0 |

02 Nov 2016 | Kenilworth B (A) | 2 | Bowman, Kevin | 135 | Daventry A | 0.5 |

05 Dec 2016 | Kenilworth B (H) | 2 | Wallman, Robert J | 148 | Olton B | 0.5 |

09 Jan 2017 | Kenilworth B (A) | 2 | Webb, Rod | 126 | Kenilworth C | 0.5 |

19 Jan 2017 | Kenilworth B (A) | 2 | Dobedoe, Richard | 146 | Stratford A | 1 |

20 Feb 2017 | Kenilworth B (H) | 2 | Johnson, Andy | 121 | Daventry A | 1 |

13 Mar 2017 | Kenilworth B (H) | 3 | Gill, Rob | 165 | Leamington Oak House B | 1 |

14 Mar 2017 | Kenilworth B (A) | 2 | Reynolds, Robert | 154 | Olton B | 0.5 |

30 Mar 2017 | Kenilworth B (A) | 2 | Stokes, Geoffrey N | 138 | Solihull C | 0.5 |

03 Apr 2017 | Kenilworth B (H) | 2 | Searle, Colin | 156 | Stratford A | 0.5 |

10 Apr 2017 | Kenilworth B (H) | 2 | Freeman, John | 150 | Shirley and Wythall B | 1 |

18 Apr 2017 | Kenilworth B (A) | 2 | Olaleye, Oladejo | 158 | Leamington Oak House B | 1 |

9.5 out of 14 (excluding defaults) = 67.86% | ||||||

## 2015-16 Coventry League Division 1 | Standard Gradings 166, 157 | |||||

date | for | board | against | result | ||

06 Oct 2015 | Kenilworth (A) | 2 | Wildig, Robert H | 171 | Rugby A | 0 |

20 Oct 2015 | Kenilworth (A) | 2 | Lam, Paul GM | 199 | Warwick University B | 0 |

04 Nov 2015 | Kenilworth (H) | 1 | Staples, Maurice J | 171 | Nuneaton B | 0.5 |

10 Nov 2015 | Kenilworth (H) | 2 | Holmes, Bob | 140 | Coventry B | 1 |

17 Nov 2015 | Kenilworth (A) | 2 | Briggs, Philip J | 190 | Nuneaton A | 0 |

12 Jan 2016 | Kenilworth (H) | 2 | Kadodwala, Nalin | 165 | Rugby A | 0.5 |

26 Jan 2016 | Kenilworth (A) | 2 | Holmes, Bob | 140 | Coventry B | 1 |

02 Feb 2016 | Kenilworth (H) | 2 | Goodwin, Ed H | 155 | Coventry A | 0.5 |

16 Feb 2016 | Kenilworth (H) | 2 | Green, Anthony J | 165 | Nuneaton A | 0.5 |

01 Mar 2016 | Kenilworth (A) | 2 | Eggink, Matheusz | Warwick University A | 0 | |

4 out of 10 (excluding defaults) = 40% | ||||||

## 2015-2016 Leamington League Division 1 | Standard Gradings 166, 157 | |||||

date | for | board | against | result | ||

08 Sep 2015 | Kenilworth A (A) | 4 | Smith, Richard W | 166 | Olton A | 0 |

30 Sep 2015 | Kenilworth A (A) | 4 | Roper, Paul | 160 | Solihull A | 0.5 |

04 Apr 2016 | Kenilworth A (A) | 3 | Ingram, Keith | 175 | Shirley A | 0.5 |

25 Apr 2016 | Kenilworth A (H) | 3 | Smith, Richard W | 166 | Olton A | 0.5 |

1.5 out of 4 (excluding defaults) = 37.5% | ||||||

## 2015-2016 Leamington League Division 2 | Standard Gradings 166, 157 | |||||

date | for | board | against | result | ||

07 Sep 2015 | Kenilworth B (H) | 1 | Pickering, Carl A | 165 | Kenilworth C | 0.5 |

15 Sep 2015 | Kenilworth B (A) | 2 | Evans, Garry | 140 | Olton C | 0.5 |

29 Oct 2015 | Kenilworth B (A) | 1 | McNally, Richard JE | 180 | Stratford A | 0 |

16 Nov 2015 | Kenilworth B (H) | 1 | Meunier, Clement | Solihull C | 0 | |

23 Nov 2015 | Kenilworth B (H) | 1 | Reynolds, Richard C | 157 | Olton B | 0.5 |

04 Jan 2016 | Kenilworth B (A) | 1 | Pickering, Carl A | 165 | Kenilworth C | 1 |

18 Jan 2016 | Kenilworth B (A) | 1 | Dale, Jonathan | 149 | Shirley B | 0.5 |

08 Feb 2016 | Kenilworth B (H) | 1 | Clarke, Neil | 167 | Solihull B | 0.5 |

07 Mar 2016 | Kenilworth B (H) | 1 | McNally, Richard JE | 180 | Stratford A | 0 |

09 Mar 2016 | Kenilworth C (A) | 1 | Carpenter, Raymond | 163 | Solihull B | 0 |

16 Mar 2016 | Kenilworth B (A) | 1 | Carpenter, Raymond | 163 | Solihull C | 0 |

21 Mar 2016 | Kenilworth B (H) | 1 | Cottom, Andrew | 142 | Olton C | 0.5 |

19 Apr 2016 | Kenilworth C (A) | 1 | Allen, Kenneth E | 142 | Olton C | 0.5 |

11 May 2016 | Kenilworth B (A) | 1 | Clarke, Neil | 167 | Solihull B | 1 |

5.5 out of 14 (excluding defaults) = 39.29% | ||||||

## 2014-2015 Leamington League Division 1 | Standard Gradings , | |||||

date | for | board | against | result | ||

09 Feb 2015 | Kenilworth A (H) | 4 | Wallman, Robert J | 144 | Olton B | 0.5 |

23 Feb 2015 | Kenilworth A (H) | 4 | Trewhela, Paul | Banbury A | 1 | |

31 Mar 2015 | Kenilworth A (A) | 4 | Batchelor, Francis | 168 | Olton A | 0.5 |

13 Apr 2015 | Kenilworth A (A) | 4 | Jimenez, Frank C | 123 | Shirley A | 0 |

27 Apr 2015 | Kenilworth A (H) | 4 | Bowman, Kevin | 137 | Daventry A | 1 |

3 out of 5 (excluding defaults) = 60% | ||||||

## 2014-2015 Leamington League Division 2 | Standard Gradings , | |||||

date | for | board | against | result | ||

09 Mar 2015 | Kenilworth B (H) | 1 | _default | - | Shirley B | 1 |

16 Mar 2015 | Kenilworth B (A) | 1 | Jimenez, Frank C | 123 | Shirley C | 1 |

23 Mar 2015 | Kenilworth B (H) | 1 | Egid, Ben | 150 | Leamington B | 0.5 |

15 Apr 2015 | Kenilworth B (A) | 1 | Sadler, Anthony | 160 | Solihull C | 0.5 |

2 out of 3 (excluding defaults) = 66.67% |

## 2018-2019 Team Open | Standard Gradings 171, 175 | |||||
---|---|---|---|---|---|---|

date | for | board | against | result | ||

07 May 2019 | Kenilworth (A) | 5 | Reynolds, Robert | 149 | Olton | 0.5 |

0.5 out of 1 (excluding defaults) = 50% | ||||||

## Knock-Out Cup | Standard Gradings 171, 175 | |||||

date | for | board | against | result | ||

04 Dec 2018 | Kenilworth A (A) | 1 | Briggs, Philip J | 187 | Nuneaton A | 0.5 |

05 Feb 2019 | Kenilworth A (H) | 2 | Pink, Joshua | 176 | Coventry A | 0 |

0.5 out of 2 (excluding defaults) = 25% | ||||||

## 2017-2018 Team Open KO | Standard Gradings 158, 165 | |||||

date | for | board | against | result | ||

28 Nov 2017 | Kenilworth (H) | 5 | Gundry, Arran | 164 | Banbury I | 0.5 |

0.5 out of 1 (excluding defaults) = 50% | ||||||

## Knock-Out Cup | Standard Gradings 158, 165 | |||||

date | for | board | against | result | ||

27 Feb 2018 | Kenilworth (A) | 3 | Adams, David | 74 | Coventry F | 1 |

13 Mar 2018 | Kenilworth (H) | 4 | Maher, Mike P | 146 | Nuneaton B | 1 |

20 Mar 2018 | Kenilworth (A) | 2 | Turner, Simon | 167 | Rugby A | 0.5 |

2.5 out of 3 (excluding defaults) = 83.33% | ||||||

## 2016-2017 Team U700 KO | Standard Gradings 153, 154 | |||||

date | for | board | against | result | ||

03 Oct 2016 | Kenilworth (H) | 1 | Reynolds, Robert | 153 | Olton | 0.5 |

24 Jan 2017 | Kenilworth (H) | 1 | Thomas, David R | 151 | Shirley & Withal | 0 |

0.5 out of 2 (excluding defaults) = 25% | ||||||

## Coventry & District KO Cup 2016-17 | Standard Gradings 153, 154 | |||||

date | for | board | against | result | ||

07 Mar 2017 | Kenilworth (A) | 3 | Carrouche, Nicola | 85 | Rugby C | 1 |

28 Mar 2017 | Kenilworth (H) | 3 | Goodwin, Ed H | 161 | Coventry A | 0.5 |

1.5 out of 2 (excluding defaults) = 75% | ||||||

## 2015-2016 Team Open KO | Standard Gradings 166, 157 | |||||

date | for | board | against | result | ||

02 Mar 2016 | Kenilworth (A) | 4 | Roper, Paul | 164 | Solihull | 1 |

1 out of 1 (excluding defaults) = 100% | ||||||

## Coventry League KO Cup 2015-16 | Standard Gradings 166, 157 | |||||

date | for | board | against | result | ||

05 Apr 2016 | Kenilworth (A) | 2 | Stanley, Nigel | 140 | Rugby B | 0 |

12 Apr 2016 | Kenilworth (H) | 2 | Felgate, Mike | 121 | Chelmsley Wood | 0.5 |

0.5 out of 2 (excluding defaults) = 25% |