neoxed: very good point about 0 multipliers, though I think it might be possible to extracting the ratio from the group, group.default and/or default.user settings. If nothing was defined then just ignore it like now.
Given the difficulty in looking up ratios from multiple places though I'm gonna punt on this idea... You can always look at the alltime up/down totals per section for the user and reconstruct a "credit" for the user via a script if necessary.
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