Okay, this is a little embarrassing.  I was looking at my formula and I realized that when we get to the end of the season, the combined reward-punishment of both teams playing in a conference’s championship will be negative.  Put another way, the ratings would favor teams that don’t even play in those games.  So I made a small change to the formula, giving credit to teams for winning extra games, and not penalizing teams too harshly for losing the 13th game of the season.  Here are the new CompuDrew rankings.

CompuDrew Week 4