The 75% restriction is for all numerical based leagues, I.e. 4.0, 4.5, etc. so in 18+ at levels below 5.0 the restriction is strictly on percent of team at level.
Reason for restriction is to ensure the teams are "competitive" and similar in level with each other. A team in individual week does not have to play 75%, they can play any number, just restricted on team membership
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