I assume you don't use scouts, or this would be another possible answer to the ratings drop. Even if all of your scouts in the league are set to Average, your scout could view the player quite differently then another scout. My other question is, how old is the player? I have seen significant drops in player ratings as players hit their late 30s. In most of these cases though, the player's talent also tanks. As Killebrew states, only talent changes are shown on the player development page.
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