Re: small books/affilaites
You do realize you only get 35% of your NET loses. So there is no way this would ever make a losing handicapper a winner. The most it can do is reduce how much they lose.
It would be useful for someone who had an abnormal month. If for example someone had a winning record for Sept-Oct then only hit 48% in Nov and went back to having a winning record after December then yes this would reduce how much they lost in Nov so over the year they would be better off but not by any significant amount. At 25 bets a month someone who went 48% would only recover 0.805 units.
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