How does it possible to loose 32XP, after lost in 1XP challenge?

Question

I accept 1XP challenge loose 4 to 5 and somehow loose 28XP (32 - 4 XP answer bonus). Can anyone explain this to me please?

Answer 1

You are on a higher level than your opponent

Answer 2

Your opponent could be very low level while you could be on a higher level. OR He/She didn't finish the course yet but you did.