In the previous contest DIV3 929 i started the contest about 40 min late i managed to solved A-B-C but was stuck on D in the final standing i was ranked lower than people who solved only 2 problems

after the contest my ranking was (11520) BadlyBadCoder 3 195 with this penalty my ranking should be around 9500 can someone explain why am i ranked like 2000 lower ?

Thanks