MatchPoint

Player profile

Tonya Vincent’s NorCal tennis rating

Tonya Vincent
USTA 3.5 · NorCal league player
3.38
current
▲ +0.04 this season

Other formats · don’t affect your rating above

Combo 3.62Mixed 3.36
USTA3.50
2026
38 matches
3.463.263.07
Jan · 3.19
Apr · 3.38
Aug 30 · Doubles−0.03
L W. Gee / E. Enriquez
7-5,3-6,0-1 · 2D · with Jacques Fayet-faber
● Won ● Lost · Select a point to see that match.Your whole season is recalculated every night, so earlier points can shift as new results come in.

Current season

38 matches

Published NorCal results in 2026 — 15 scoring, 23 combo or mixed. Combo and mixed don’t affect NTRP ratings.

Aug 30, 2026 · Doubles · 2D · Mixed

Lost 7-5,3-6,0-1
−0.03

Tonya’s side

Tonya VincentCurrently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.36
Jacques Fayet-faber(partner)Currently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.43

Opponents

Wendy GeeCurrently on HIGHLANDS REC CENTER CW8.5A
3.79
Elbridges EnriquezCurrently on FOSTER CITY TC/EDGEWATER PK 55MX7.0A
3.85
Mixed rating 3.39 → 3.36Doubles result

Mixed results move their own rating, not your NTRP — USTA computes NTRP from adult singles and doubles only.

Aug 22, 2026 · Doubles · 1D · Mixed

Lost 6-4,2-6,0-1
−0.02

Tonya’s side

Tonya VincentCurrently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.36
Troy Collard(partner)Currently on SAN CARLOS TC/ARGUELLO PK CM7.5C
3.48

Opponents

Karen SchuttenCurrently on SAN CARLOS TC/ARGUELLO PK 40MX7.0B
3.73
Philip ThomasCurrently on SAN CARLOS TC/ARGUELLO PK 55MX7.0A
3.95
Mixed rating 3.41 → 3.39Doubles result

Mixed results move their own rating, not your NTRP — USTA computes NTRP from adult singles and doubles only.

Aug 9, 2026 · Doubles · Mixed

Won 6-2,2-6,1-0
+0.11

Tonya’s side

Tonya VincentCurrently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.36
Troy Collard(partner)Currently on SAN CARLOS TC/ARGUELLO PK CM7.5C
3.48

Opponents

Adam ChallCurrently on PENINSULA TC 40MX7.0A
3.10
Kristen PierceCurrently on SAN CARLOS TC/ARGUELLO PK CW7.5B-DT
3.58
Mixed rating 3.31 → 3.41Doubles result

Mixed results move their own rating, not your NTRP — USTA computes NTRP from adult singles and doubles only.

Aug 1, 2026 · Doubles · Mixed

Lost 5-7,7-5,0-1
−0.10

Tonya’s side

Tonya VincentCurrently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.36
Troy Collard(partner)Currently on SAN CARLOS TC/ARGUELLO PK CM7.5C
3.48

Opponents

Nathan CzubajCurrently on SAN CARLOS TC/ARGUELLO PK CM6.5A
3.33
Maria VegasCurrently on SANTA CLARA TC/SANTA CLARA TENNIS C CW7.5A
3.54
Mixed rating 3.41 → 3.31Doubles result

Mixed results move their own rating, not your NTRP — USTA computes NTRP from adult singles and doubles only.

Jul 11, 2026 · Doubles · Combo

Won 6-4,1-6,1-0
+0.16

Tonya’s side

Tonya VincentCurrently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.62
Shelley Scott(partner)Currently on BAY CLUB REDWOOD SHORES CW7.5A
3.78

Opponents

Becky KoganCurrently on CARMEL VAC 40MX8.0A
3.66
Elizabeth CowleyCurrently on CARMEL VAC 55MX8.0A
3.93
Combo rating 3.46 → 3.62Doubles result

Combo results move their own rating, not your NTRP — USTA computes NTRP from adult singles and doubles only.

Jul 10, 2026 · Doubles · Combo

Won 6-4,7-6
+0.14

Tonya’s side

Tonya VincentCurrently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.62
Sueyin Wong(partner)Currently on MOUNTAIN VIEW TC/RENGSTORFF PK CW8.5A-DT
3.93

Opponents

Christine BreenCurrently on RIDGEMARK G&CC 55MX7.0A
3.62
Kate B Gillis
3.70
Combo rating 3.32 → 3.46Doubles result

Combo results move their own rating, not your NTRP — USTA computes NTRP from adult singles and doubles only.

Jul 8, 2026 · Doubles · Mixed

Lost 6-3,3-6,0-1
−0.10

Tonya’s side

Tonya VincentCurrently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.36
Brandt Fuse(partner)Currently on SAN CARLOS TC/ARGUELLO PK 40MX7.0A
3.02

Opponents

Ed DerCurrently on FOSTER CITY TC/EDGEWATER PK 55MX7.0A
3.42
Mariko KimuraCurrently on SAN CARLOS TC/ARGUELLO PK CW7.5B
3.43
Mixed rating 3.51 → 3.41Doubles result

Mixed results move their own rating, not your NTRP — USTA computes NTRP from adult singles and doubles only.

Jul 5, 2026 · Doubles · Mixed

Won 6-4,3-6,1-0
+0.13

Tonya’s side

Tonya VincentCurrently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.36
Thomas Fuerst(partner)Currently on SAN CARLOS TC/ARGUELLO PK CM7.5C
3.38

Opponents

Christine FronczakCurrently on BAY CLUB SANTA CLARA 55MX8.0A
3.49
Teppei TsutsuiCurrently on BAY CLUB REDWOOD SHORES CM7.5A
3.34
Mixed rating 3.39 → 3.51Doubles result

Mixed results move their own rating, not your NTRP — USTA computes NTRP from adult singles and doubles only.

Jun 12, 2026 · Doubles · Combo

Lost 5-7,6-4,0-1
−0.12

Tonya’s side

Tonya VincentCurrently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.62
Sherri Glenn(partner)Currently on MOUNTAIN VIEW TC/RENGSTORFF PK CW6.5A-DT
3.50

Opponents

Elizabeth OlsonCurrently on UNIVERSITY CLUB PA CW7.5A-DT
3.61
Julie ArnheimCurrently on UNIVERSITY CLUB PA CW7.5A-DT
3.61
Combo rating 3.45 → 3.32Doubles result

Combo results move their own rating, not your NTRP — USTA computes NTRP from adult singles and doubles only.

Jun 11, 2026 · Doubles · Combo

Won 6-4,7-6
+0.15

Tonya’s side

Tonya VincentCurrently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.62
Sueyin Wong(partner)Currently on MOUNTAIN VIEW TC/RENGSTORFF PK CW8.5A-DT
3.93

Opponents

Wendy GeeCurrently on HIGHLANDS REC CENTER CW8.5A
3.78
Claire SheehanCurrently on SAN CARLOS TC/ARGUELLO PK CW7.5A-DT
3.53
Combo rating 3.29 → 3.45Doubles result

Combo results move their own rating, not your NTRP — USTA computes NTRP from adult singles and doubles only.

May 14, 2026 · Doubles · Combo

Won 0-6,7-6,1-0
+0.12

Tonya’s side

Tonya VincentCurrently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.62
Shelley Scott(partner)Currently on BAY CLUB REDWOOD SHORES CW7.5A
3.78

Opponents

Anna PlumeCurrently on SAN CARLOS TC/ARGUELLO PK CW7.5B-DT
3.82
Sylvia ThompsonCurrently on UNIVERSITY CLUB PA 55MX7.0A
3.16
Combo rating 3.17 → 3.29Doubles result

Combo results move their own rating, not your NTRP — USTA computes NTRP from adult singles and doubles only.

May 3, 2026 · Doubles · Combo

Won 6-2,6-3
+0.06

Tonya’s side

Tonya VincentCurrently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.62
Sherri Glenn(partner)Currently on MOUNTAIN VIEW TC/RENGSTORFF PK CW6.5A-DT
3.50

Opponents

Ieda GarciaCurrently on SUNNYVALE MTC CW6.5A
3.40
Michelle NeyCurrently on SUNNYVALE MTC CW6.5A
2.79
Combo rating 3.11 → 3.17Doubles result

Combo results move their own rating, not your NTRP — USTA computes NTRP from adult singles and doubles only.

May 2, 2026 · Doubles · Combo

Lost 0-6,6-4,0-1
−0.11

Tonya’s side

Tonya VincentCurrently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.62
Sherri Glenn(partner)Currently on MOUNTAIN VIEW TC/RENGSTORFF PK CW6.5A-DT
3.50

Opponents

Elizabeth OlsonCurrently on UNIVERSITY CLUB PA CW7.5A-DT
3.61
Katja GagenCurrently on SAN CARLOS TC/ARGUELLO PK CW7.5B-DT
3.57
Combo rating 3.22 → 3.11Doubles result

Combo results move their own rating, not your NTRP — USTA computes NTRP from adult singles and doubles only.

Apr 30, 2026 · Doubles · Combo

Lost 7-5,3-6,0-1
−0.08

Tonya’s side

Tonya VincentCurrently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.62
Sueyin Wong(partner)Currently on MOUNTAIN VIEW TC/RENGSTORFF PK CW8.5A-DT
3.93

Opponents

Wendy GeeCurrently on HIGHLANDS REC CENTER CW8.5A
3.78
Claire SheehanCurrently on SAN CARLOS TC/ARGUELLO PK CW7.5A-DT
3.53
Combo rating 3.30 → 3.22Doubles result

Combo results move their own rating, not your NTRP — USTA computes NTRP from adult singles and doubles only.

Apr 26, 2026 · Doubles · Combo

Won 6-3,6-4
+0.05

Tonya’s side

Tonya VincentCurrently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.62
Sherri Glenn(partner)Currently on MOUNTAIN VIEW TC/RENGSTORFF PK CW6.5A-DT
3.50

Opponents

Amy Si DouCurrently on CUPERTINO TC/CUPERTINO SC CW6.5A
3.34
Hong YuCurrently on CUPERTINO TC/CUPERTINO SC CW7.5A
3.28
Combo rating 3.24 → 3.30Doubles result

Combo results move their own rating, not your NTRP — USTA computes NTRP from adult singles and doubles only.

Apr 19, 2026 · Doubles · Combo

Won 6-0,6-1
+0.19

Tonya’s side

Tonya VincentCurrently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.62
Fran Compagno(partner)Currently on BAY CLUB REDWOOD SHORES CW8.5A
4.15

Opponents

Linda BenvenutoCurrently on PENINSULA TC CW8.5A
3.60
Sheila Higgins DruskinCurrently on PENINSULA TC CW8.5A
3.68
Combo rating 3.05 → 3.24Doubles result

Combo results move their own rating, not your NTRP — USTA computes NTRP from adult singles and doubles only.

Apr 18, 2026 · Doubles · Combo

Won 6-2,6-0
+0.01

Tonya’s side

Tonya VincentCurrently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.62
Elaine Roe(partner)Currently on BAY CLUB COURTSIDE CW7.5A
3.26

Opponents

Margaret MitchellCurrently on BAY CLUB SF TENNIS 40MX6.0A
2.90
Charlene ScheilCurrently on BAY CLUB REDWOOD SHORES CW6.5A-DT
2.64
Combo rating 3.04 → 3.05Doubles result

Combo results move their own rating, not your NTRP — USTA computes NTRP from adult singles and doubles only.

Apr 5, 2026 · Doubles · Combo

Lost 3-6,3-6
−0.14

Tonya’s side

Tonya VincentCurrently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.62
Sharon Yee(partner)Currently on FOSTER CITY TC/EDGEWATER PK 40MX8.0A
3.29

Opponents

Jennifer ChonCurrently on SAN CARLOS TC/ARGUELLO PK CW6.5C
3.46
Leanne Perez
3.58
Combo rating 3.19 → 3.04Doubles result

Combo results move their own rating, not your NTRP — USTA computes NTRP from adult singles and doubles only.

Apr 4, 2026 · Doubles · Combo

Won 7-6,6-3
+0.02

Tonya’s side

Tonya VincentCurrently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.62
Sherri Glenn(partner)Currently on MOUNTAIN VIEW TC/RENGSTORFF PK CW6.5A-DT
3.50

Opponents

Pamela FuerstCurrently on STANFORD-CRA CW6.5A
3.04
Sherry KanadjianCurrently on STANFORD-CRA CW6.5A
2.87
Combo rating 3.17 → 3.19Doubles result

Combo results move their own rating, not your NTRP — USTA computes NTRP from adult singles and doubles only.

Apr 2, 2026 · Doubles

Lost 1-6,6-7
−0.03

Tonya’s side

Tonya VincentCurrently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.38
Sherri Glenn(partner)Currently on MOUNTAIN VIEW TC/RENGSTORFF PK CW6.5A-DT
3.38

Opponents

Maria VegasCurrently on SANTA CLARA TC/SANTA CLARA TENNIS C CW7.5A
3.68
Laura KellyCurrently on GOLDMAN TC CW8.5A
3.97
Rating 3.41 → 3.38Doubles result

Mar 29, 2026 · Doubles · Combo

Won 6-1,6-3
+0.06

Tonya’s side

Tonya VincentCurrently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.62
Terry Romero(partner)Currently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.75

Opponents

Amanda RamosCurrently on SUNNYVALE TC/SUNNYVALE MTC 55MX7.0A
2.99
Debra MatityahuCurrently on UNIVERSITY CLUB PA CW7.5A
3.33
Combo rating 3.11 → 3.17Doubles result

Combo results move their own rating, not your NTRP — USTA computes NTRP from adult singles and doubles only.

Mar 28, 2026 · Doubles · Combo

Lost 6-7,5-7
−0.19

Tonya’s side

Tonya VincentCurrently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.62
Grace Huang(partner)Currently on MOUNTAIN VIEW TC/RENGSTORFF PK CW6.5A-DT
3.25

Opponents

Melissa ChiesaCurrently on MILLBRAE RC 55MX7.0A
3.37
Kari RobertsCurrently on MILLBRAE RC 55MX7.0A
3.19
Combo rating 3.30 → 3.11Doubles result

Combo results move their own rating, not your NTRP — USTA computes NTRP from adult singles and doubles only.

Mar 26, 2026 · Doubles · Combo

Won 6-0,7-6
+0.19

Tonya’s side

Tonya VincentCurrently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.62
Sueyin Wong(partner)Currently on MOUNTAIN VIEW TC/RENGSTORFF PK CW8.5A-DT
3.93

Opponents

Elizabeth LougeeCurrently on TENNIS COALITION SF/GOLDMAN TC CW7.5A-DT
3.58
Sandy Keenan
3.75
Combo rating 3.11 → 3.30Doubles result

Combo results move their own rating, not your NTRP — USTA computes NTRP from adult singles and doubles only.

Mar 22, 2026 · Doubles · Combo

Lost 3-6,2-6
−0.14

Tonya’s side

Tonya VincentCurrently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.62
Chie Imperato(partner)Currently on MOUNTAIN VIEW TC/RENGSTORFF PK CW6.5A-DT
3.27

Opponents

Patricia BuckCurrently on LADERA OAKS CW6.5A-DT
3.48
Tara VernerCurrently on PENINSULA GCC CW7.5A
3.53
Combo rating 3.26 → 3.11Doubles result

Combo results move their own rating, not your NTRP — USTA computes NTRP from adult singles and doubles only.

Mar 12, 2026 · Doubles

Won 7-5,6-2
+0.12

Tonya’s side

Tonya VincentCurrently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.38
Sherri Glenn(partner)Currently on MOUNTAIN VIEW TC/RENGSTORFF PK CW6.5A-DT
3.38

Opponents

Ieda GarciaCurrently on SUNNYVALE MTC CW6.5A
3.37
Ewelina BindarowskaCurrently on SAN CARLOS TC/ARGUELLO PK 40MX7.0A
3.20
Rating 3.29 → 3.41Doubles result

Mar 5, 2026 · Doubles

Lost 2-6,2-6
−0.04

Tonya’s side

Tonya VincentCurrently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.38
Sherri Glenn(partner)Currently on MOUNTAIN VIEW TC/RENGSTORFF PK CW6.5A-DT
3.38

Opponents

Suratwadee LakornwongCurrently on FOSTER CITY TC/EDGEWATER PK CW7.5A-DT
3.85
Riyalyne Kim ZabatCurrently on GOLDEN GATE TC/GOLDMAN TC 40MX7.0D
3.60
Rating 3.33 → 3.29Doubles result

Mar 4, 2026 · Doubles

Lost 3-6,6-4,0-1
−0.12

Tonya’s side

Tonya VincentCurrently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.38
Sherri Glenn(partner)Currently on MOUNTAIN VIEW TC/RENGSTORFF PK CW6.5A-DT
3.38

Opponents

Wendy StrattonCurrently on SUNNYVALE MTC CW8.5B
3.35
Adele GurskyCurrently on STANFORD-CRA CW6.5A
3.28
Rating 3.45 → 3.33Doubles result

Mar 1, 2026 · Doubles

Won 3-6,6-4,1-0
+0.10

Tonya’s side

Tonya VincentCurrently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.38
Shelley Scott(partner)Currently on BAY CLUB REDWOOD SHORES CW7.5A
3.34

Opponents

Sherry MaoCurrently on SAN CARLOS TC/ARGUELLO PK CW7.5A-DT
3.22
Elise BrandCurrently on PENINSULA TC CW7.5A
3.45
Rating 3.35 → 3.45Doubles result

Feb 28, 2026 · Doubles

Won 6-0,6-2
+0.02

Tonya’s side

Tonya VincentCurrently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.38
Deborah Zeitschel(partner)Currently on MOUNTAIN VIEW TC/RENGSTORFF PK CW6.5A-DT
3.12

Opponents

Mary KaneCurrently on FOSTER CITY TC/EDGEWATER PK CW6.5A-DT
2.83
Cynthia NewtonCurrently on SAN CARLOS TC/ARGUELLO PK 55MX6.0A
2.83
Rating 3.33 → 3.35Doubles result

Feb 22, 2026 · Doubles

Won 6-3,6-0
+0.12

Tonya’s side

Tonya VincentCurrently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.38
Jennifer Falk(partner)
3.38

Opponents

Julie ArnheimCurrently on UNIVERSITY CLUB PA CW7.5A-DT
3.51
Susan StarkCurrently on UNIVERSITY CLUB PA CW7.5A-DT
3.28
Rating 3.20 → 3.33Doubles result

Feb 20, 2026 · Doubles

Lost 0-6,4-6
−0.06

Tonya’s side

Tonya VincentCurrently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.38
Terry Romero(partner)Currently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.28

Opponents

Faye ChuCurrently on SAN CARLOS TC/ARGUELLO PK CW7.5B-DT
3.60
Cef Ella
3.66
Rating 3.27 → 3.20Doubles result

Feb 5, 2026 · Doubles

Lost 0-6,2-6
−0.03

Tonya’s side

Tonya VincentCurrently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.38
Paula Mangin(partner)Currently on TENNIS COALITION SF/GOLDMAN TC CW7.5A-DT
3.26

Opponents

Sandy Keenan
4.03
Maria VegasCurrently on SANTA CLARA TC/SANTA CLARA TENNIS C CW7.5A
3.68
Rating 3.29 → 3.27Doubles result

Jan 18, 2026 · Doubles

Won 6-2,2-6,1-0
+0.11

Tonya’s side

Tonya VincentCurrently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.38
Sherri Glenn(partner)Currently on MOUNTAIN VIEW TC/RENGSTORFF PK CW6.5A-DT
3.38

Opponents

Aiko MurakamiCurrently on SUNNYVALE TC/SUNNYVALE MTC CW7.5A-DT
3.40
Yejoo Eun
3.57
Rating 3.19 → 3.31Doubles result

Jan 14, 2026 · Doubles

Won 6-2,6-2
+0.12

Tonya’s side

Tonya VincentCurrently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.38
Monica Reid(partner)Currently on GOLDEN GATEWY CW7.5B
3.12

Opponents

Carey WelshCurrently on PENINSULA TC CW7.5A
3.31
Sherry MaoCurrently on SAN CARLOS TC/ARGUELLO PK CW7.5A-DT
3.22
Rating 3.07 → 3.19Doubles result

Jan 12, 2026 · Doubles

Lost 7-5,6-7,0-1
−0.06

Tonya’s side

Tonya VincentCurrently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.38
Terry Romero(partner)Currently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.28

Opponents

Rebecca HarlowCurrently on GOLDEN GATEWY 40MX7.0A
3.47
Kristen SteckCurrently on GOLDMAN TC CW6.5D
3.40
Rating 3.13 → 3.07Doubles result

Jan 8, 2026 · Doubles

Lost 3-6,1-6
−0.07

Tonya’s side

Tonya VincentCurrently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.38
Terry Romero(partner)Currently on SAN CARLOS TC/ARGUELLO PK 55MX7.0C
3.28

Opponents

Cef Ella
3.66
Riyalyne Kim ZabatCurrently on GOLDEN GATE TC/GOLDMAN TC 40MX7.0D
3.60
Rating 3.19 → 3.13Doubles result
Best match
+0.16
Jan 20 vs T. Treadway / C. Elder
Worst match
−0.17
Jan 24 vs A. Ross / K. Celestin
Where you started ›3.34
2023 year-end NTRP 3.53.20
Scale calibration+0.14
Season start3.34
Your starting point comes from your official year-end NTRP, not from any third-party rating. The calibration is a fixed shift that puts our scale on the same level as NTRP.
▲
Combo and mixed matches aren’t included. This rating is built from standard men’s and women’s league play only — combo and mixed results feed your separate combo/mixed ratings, not this one.
Updated Sep 20

Tonya Vincent’s MatchPoint NorCal tennis rating is 3.38, an independent estimate based on published NorCal league results through September 20, 2026. They are currently rostered on 6 active NorCal league teams.

MatchPoint ratings are estimates based on published USTA NorCal league results. Data through September 20, 2026.

Year-end re-anchoring
Pulled toward the 2024 year-end level−0.013.33
Pulled toward the 2025 year-end level+0.003.19

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