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I forgot to mention that 45/25/20/15 was very good in that it realistically handled contracts for players still performing well, even if there was a slight ratings decline...but was definitely a bit worse in terms of waivers and trade challenge from the human perspective.
I don't think it would be wrong or ill advised to use any of these (or any other setting that floats your boat..hey it's your game) but I think these might be the closest to reality and challenge at the same time. Perhaps the best thing to do is split the difference and go 50/20/20/10
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