                              Handicap Information

           The formula used by GolfClub to produce the Handicap Index
           has been revised to provide results that should match the
           Handicap Index provided by both the United States Golf
           Association and the Royal Canadian Golf Association.
           

           Differentials:

           The Handicap Index is determined based on the differentials
           from a selected number of 18-hole rounds a Golfer has played.
           The criteria for selecting these differentials is as follows:

           Number of       Differentials
           Rounds          Used
           ~~~~~~~~~       ~~~~~~~~~~~~~
           5        ----   Lowest 1 of all 18-hole rounds
           6-7      ----   Lowest 2 of all 18-hole rounds
           8-9      ----   Lowest 3 of all 18-hole rounds
           10-11    ----   Lowest 4 of all 18-hole rounds
           12-13    ----   Lowest 5 of all 18-hole rounds
           14-15    ----   Lowest 6 of all 18-hole rounds
           16-17    ----   Lowest 7 of all 18-hole rounds
           18       ----   Lowest 8 of all 18-hole rounds
           19       ----   Lowest 9 of all 18-hole rounds
           20+      ----   Lowest 10 of last 20 18-hole rounds

           Note that after a Golfer has 20 or more rounds of 18 holes
           the lowest 10 differentials from the immediate past 20 rounds
           are used.

           Only differentials from full 18-hole rounds are used.  All
           differentials from 9-hole rounds, if any, are discarded

           Differentials are determined by the following method:

           When the Gross Score is higher than the course Rating, the
           course Rating is subtracted from the Gross Score.  When the
           Gross Score is lower than the course Rating, the Gross Score
           is subtracted from the course Rating.  The next step is to
           multiply 113 by the figure from the above calculation then
           dividing that figure by the course Slope.  This figure is
           carried to ONLY ONE decimal place WITHOUT ROUNDING.

           Example:  A Golfer shoots a Score of 86 on a course with a
                     Rating of 71.5  The Rating of 71.5 is subtracted
                     from the Score of 86 giving a result of 14.5

                     113 is multilpied by 14.5 giving a result of 1638.5
                     This is divided by 133 producing a result of 12.3
                     which is the Handicap Differential for this game.

                        113 x 14.5 = 1638.5  = 12.3  (Differential)
                                     
                                       133

           GolfClub automatically determines the Handicap Differential for
           each game at the time it is recorded and saved in the database.
           

           Course Handicap:

           A Golfer does not play off his/her Handicap Index.  Rather
           a Course Handicap should be determined using the following
           method:

           Multiply the Handicap Index by the Slope value of the
           course being played and divide by 113.  The resulting
           figure is ROUNDED to the nearest whole number (.5 is
           rounded upward).


           Example:  A Golfer with a Handicap Index of 11.7 playing
                     on a course with a Slope value of 133

           11.7 x 133 = 1556.1  = 13.7 (ROUND to 14 for Course Handicap)
                        
                         113


           To obtain the Slope value of a Course, contact the Club
           Professional or Manager.  In many cases, both the Slope
           and Rating are listed on the club's score card.

           When adding a Game Record to the database, GolfClub will
           automatically determine the Course Handicap for that round
           based on the Course being played and Golfer's Handicap Index.
           

           Be this as it may, the Handicap Index provided by GolfClub
           is not to be considered as ones "official" Handicap Index.
           It cannot be used in place of the Handicap Index provided by
           the U.S.G.A. when entering tournaments

           The Course Handicap provided by GolfClub should closely match
           that provided by the U.S.G.A. and the Royal Canadian Golf
           Association (provided the same Slope and Handicap Index values
           are used).  To get a quick Course Handicap use the "Quick
           Handicap" option in GolfClub.
           

           OverAll Differential:

           The figure shown as a Golfer's OverAll Differential is based on
           the Golfer's Handicap Index.  This figure can be used to measure
           improvement over days, weeks, months, etc.
           

           NOTE:

           It is imperative that Game Records be entered in the order they
           were played (by date) to assure accurate Handicap Index results.



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