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ADD UP ALL FOUR HANDICAPS, THEN DIVIDE BY 10. EG FOUR HANDICAPS OF SAY 12, 13, 16, 17 WOULD BE 58 DIVIDED BY 10 GIVES A PLAYING HANDICAP OF 5.8
what if three people are playing
If three people are playing then add up the 3 handicaps and divide by 6
e.g. 12 + 13 + 16 = 41. Divide this by 6 to get 6.8
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