Yes that is a good observation i didn't pick that up. That is absolutely true! I got pulled to 20 a while ago and couldn't cope and then soon rose again to 22.

I think Rick, you miss understand the point of a handicap. It is to try and level out players so that a 28 handicapper can play a 4 handicapper.

If you don't play to your handicap, then it isn't the right handicap for you!