The biggest mistake for those loading a cartridge down is to rely on using resistors to load the cart but does not account for the gain. The transformed impedance of the SUT's affects the gain needed for the cartridge to match well. That is the reason why said 1:36 SUT!!! if you have a 1:10(14 db) SUT and you keep on lowering the load down by means of resistors, you are in for a very big disappointment, guaranteed. You can look at it electrically thru analyzing a voltage divider circuit behaving on AC signal. Realize that as soon as the load of the cart equals to that of it's internal impedance, the output it can generate is halved!
But of course, you do not have to worry about that now.
But of course, you do not have to worry about that now.