  Adjusting for the Handicap                           FILE: HA.HLP

    To obtain a USGA handicap, it is the duty of the player to make the 
    best   score possible at each hole in every 18-hole round and to 
    report the score for every round, regardless of where the round was 
    played, and regardless  of whether it was in match play or stroke 
    play.                            
                                                                               
    However, for handicap purposes, the use of hole scores is limited to 
    a specific number of strokes over par as follows:
                                                      
       Handicap           Limitation on Hole Scores
       ===============    ===========================
       Plus or Scratch    Limit of one over par on any hole.

       1 thru 18          Limit of two over par on number of holes equal
                          equal to handicap.  Limit of one over par on
                          balance of holes.

       19 thru 36         Limit of three over par on as many holes as the
                          handicap exceeds 18 strokes.  Limit of two over
                          par on balance of holes.

       37 thru 40         Limit of four over par on as many holes as the
                          handicap exceeds 36 strokes.  Limit of three 
                          over par on balance of holes. 
                                  
    For example, if a 20-handicap player scores one over par on each of 
    14 holes, three over par on each of two holes and four over par on 
    the two remaining holes, he must reduce the scores for the holes on 
    which he scored four over par to be two over par and thereby reduce 
    his total score by four strokes for handicap purposes.   If a player 
    fails to complete a hole, the hole score shall be recorded in 
    accordance with the above formula. 
                                                                          
    From the player's last 20 full 18-holes scores, the lowest 10 
    handicap differentials are selected, then are added together.  The 
    total of the 10 differentials is applied to the USGA Handicap 
    Differentail Chart which automatically determines the handicap.  
    (DBK takes care of all of this) 
                                                                              
    If a player has only from 5 to 19 differentials available, a sliding 
    scale of differentials is used.  If a player has returned fewer than 
    5 rounds, then a handicap is not calculated.
                                                                        
    Because of the course rating system and the fact that handicaps are 
    determined from differentials and not actual scores, a player's USGA     
    Handicap needs no adjustment regardless of where he/she plays.           
  
