Honestly I fought with it for a while but in the end the games play so much better. There is much more consistency without the crazy ratings boost. Rating get boosted without HFA also, but not some 78 rb whose and impact player who gets a rating boost and all of a sudden USC cant stop San Diego St. I know that college players do put up big numbers and that's great but many times Ive seen a 80 rated impact running back break an upward of 5 tackles in one play. That happens, just not 4 and 5 times a game. I love this game. I really need some Heisman Sliders that have been formulated with HFA off.