I see this topic debated quite a bit, so would like a bit more clarity. Team schemes (offense and defense) = Was the intention for these to be hard-coded whereby a coach cannot change these for his team? Player scheme and style = In terms of onboarding new players, I am under the impression these should match-up with the team scheme or else the players overall rating will take a hit. How substantial is the rating hit for pulling players that do not match your team scheme (hard-coded) and style (editable)? If the hard-coding of a scheme is done intentionally, then I would have to assume it only changes when your roster changes (bringing in players with different player schemes, not necessarily style).