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Dear Eric: Please note the posting date of the original questioner. He's probably given up trying to race by now, if he still has this boat.
PHRF ratings vary by area because prevailing conditions affect the results. As Jeff notes, in the right conditions, the T37 sails to it's rating of "x". If the conditions tend to be lighter than that, then the boat will be slower and have a slower rating. The higher ratings may be for places like the Chesapeake or Long Island Sound, which typically have light air. There is likely more wind where you sail, so the rating is correspondingly lower for you.
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