Ok, so if I take a reading with an incident meter pointed at the camera by the subject's face I should have an f-stop about half a stop down from the reading off of the card?
For instance if I had 4.0 on the card from the spot meter would the incident (with hemisphere) give me an f-stop halfway between 2.8 and 4.0? Then if I took a reading of the subject's face, say an average irish man without a tan I should get a reading about 5.6 or between 5.6 and 8?