Okay,

So how about a guy like me who is 6'4" weighs 253 Lbs and has a body fat of less than 15%? I know lots of 180 lbers who are FAT short guys. Do I get penalized since I don't fit into the bell curve of "normal" weight or height. So the average Asian pays less but the average Norseman pays more?

Body weight does not always correlate to high body fat.