* * Handicaps (for each team member, then added up and divided by four for each team) are developed using USGA's Simple Handicap Formula. If you have a substitute playing, and that substitute has a USGA handicap, on the score card, enter that handicap by his name. If the substitute has no formal handicap, on the score card, enter a zero. All players names are to appear on the score card - but only one (team) score. ----
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