From time to time, I get asked about Baldr's Ratio, which is a system for training that lets you use two special gyms for two of your stats. Tied to that explanation is Hank's Ratio, which lets you use two special gyms for three of your stats.

Hank's Ratio lets you use two special gyms to train three of your stats, and your fourth gets trained in George's Gym.

Baldr's Ratio lets you use two special gyms to train two of your stats, and your other two get trained in George's Gym.

Hank's gives more overall gains from gym trains, but it also requires that one of your stats be very low, around 9% of the total at most.

Baldr's ratio goes a lot further towards letting you stay fairly balanced.

George's is the best gym that doesn't have special requirements. It uses 10e per train, and has 7.3 gym dots. The specialized gyms have 25e trains, with 7.5 gym dots, or 50e trains, with 8.0 gym dots. The reason to use Hank's Ratio or Baldr's ratio is to try to do more of your training in those special gyms, with the higher gym dots, so you gain more stats overall.

I should point out that what they call Baldr's Ratio, I did not actually invent. Someone told me about it long, long ago, and my name got attached. I don't know who actually came up with the system (or, later, the name), but it is the system I use.

--

Hank's Ratio

This shows Hank's Ratio, set up for Defense as high stat. That forces Dexterity to be the low stat, and the low stat must stay very low. By using different gyms, you can do the same thing in reverse, with high Dex and low Defense.

For effective purposes, You must have either dex or defense as you high stat, and the other as low stat. In theory, you could do this with Speed or Str as high stat and the other as low, but it doesn't help to have very high Str if you miss nearly every round, and doesn't help to hit every round if you do very little damage, so that is not practical.

Most people who use Hank's Ratio will use Dex or Defense as their high stat, and that will force the other as their low stat. Most people would agree that defense is more useful than dex, so if using this system, they would make defense their high stat, dex their low stat.

If Defense were at 100m, then perfect balance via Hanks Ratio works out like this. The %'s are the same if you used a different stat as high stat.

The thing I dislike about that is the lack of balance. Your low stat (dex in the example) has to be very low, under 10%.

But the advantage is that you train your high stat in one special gym, both of your medium stats in another special gym, and your low stat in George's Gym. Three of your stats benefit from the special gyms.

To use Hanks Ratio with Defense as high stat :
Defense : Mr. Isoyamas (50e)
Strength and Speed : Frontline Fitness (25e)
Dexterity : George's (10e)

To use Hanks Ratio with Dexterity as high stat :
Dexterity : Elites (50e)
Strength and Speed : Frontline Fitness (25e)
Defense : George's (10e)

It is possible to use Hanks with Str as high stat (using Gym 3000 as the 50e gym, and Balboas Gym for dex/defense). Or with Speed as the high stat, by using Total Rebound as the 50e gym, and again, Balboas for dex defense. However this is not recommended. High strength with very low speed just means you will miss most of the time, and high speed with very low strength will let you hit often, but do low amounts of damage (possibly none, depending on their defense.)


So that explains Hank's Ratio.

--

Baldr's Ratio

Below is an example of what they call Baldr's Ratio, set up with Str as high stat. Again, any stat can be your high stat. Your secondary stat will be Speed if you use Str as high stat (or you can swap those and have Speed high, Str second.) Or you can use Dex/Defense as your high stat, and the other half of Dex/Defense as your secondary stat.

Your lowest stat is still about 22% of your total, so this is a much more balanced build.

You train your high stat in one special gym. your second stat in another special gym, and use George's for your two lowest stats.

For me, with Str as high stat, that means using Gym 3,000 (50e gym) for strength trains, Frontline Fitness (25e gym) for speed trains, and George's Gym (10e) for dex and defense trains.  (But I do not recommend Str or speed as your high stat!  It was a mistake for me!)

You can do similar, with speed as high stat, by using Total Rebound for speed, Frontline Fitness for Str, and George's for dex and defense.

Or, you can make your high stat defense or dex, using the appropriate 50e gym for your high stat and Balboas Gym for the other, with Str and Speed being trained in George's.

It's much more balanced than Hank's Ratio, since your lowest stat can be around 22% of your total, compared to under 10% for Hank's Ratio. But only two of your stats benefit from special gyms, instead of three.

--

My personal opinion : I believe that almost everyone should use Baldr's Ratio, with either dex or defense as high stat.  RGiskard made a post about why he believes Baldr's ratio is better.  I pinned it, which mean it will be the 2nd post in the thread.

I made Str my high stat.  That was a mistake.  A big mistake.  It worked just fine when I was reasonably close to the actual ratio.  But eventually, as I got bigger, and richer, it reached the time when I started using lots of stat enhancers.  I used enough to reach the top 100 stats.  At one point, I was #80 or #85, something like that.  But when my strength shot up that much, it did not make me nearly as much stronger in combat as my stats would show.  I take too much damage, too fast.  Even if I win a fight, I may take a lot of damage, and in wars, that means my hospital timer goes quickly.  Groups can attack me and easily win, because they get to all take a swing at me each round, while I only get one shot off.  It just did not work out well.  I had been warned it was a mistake, but I didn't think it was going to be this big of a mistake.

So just go with dex or defense as high stat.  At least if you reach the point where you want to start using SE's.

--

You can find details about the different gyms, their requirements, etc, in this link.
https://www.torn.com/wiki/Gym#Specialist_Gyms_.26_Requirements

--

There is a script that some people use to help keep the ratios correct. I've moved to using this script myself.

Install Greasemonkey if you are using Firefox:Greasemonkey Addon for Firefox
Install Tampermonkey if you are using Chrome:Tampermonkey Extension for Chrome
I'm told that Tampermonkey works for Edge, but I've never used Edge myself.

Then install the Userscript: https://greasyfork.org/scripts/14778-hank-s-ratio/code/Hank'sRatio.user.js
--

This link goes to a google-sheet version of the spreadsheet I used at first, before I switched to the script. My copy (that I actually use) is local, on my computer, and if you plan to use it, you should probably make your own copy.