This question gets asked a lot on ratings topics, but I haven't seen it answered....if it's been asked and answered 14 times on earlier pages of this thread, sorry:
when your ratings change, is it by the amount shown when you accepted the challenge? or are ratings fluctuations DURING the game taken into account too?
The game is rated when it ends. The anticipated rating change at the start of the game reflects current ratings, but these may and often do change during the course of the game.
Something similar takes place in OTB events. Pairings and expected gain/loss are generally based upon latest published ratings. If a player plays multiple events between rating updates (four times per year in FIDE; monthly for USCF players), these predictions will be off.
As an example, in a recent local tournament I was #2 seed based on published ratings, but when the event was rated, I was #3. One of my opponent's had gone up due to results in an intervening event between the rating publication and our event.
chess.com is fully awesome, but i don't get how de ratings CHANGES!!!!!!!!!!!!!!!!!!!!!!