Here to get a handicap five cards have to be handed in. They must be stroke rounds (three of which are from your home club).

Ladies can have a handicap up to 45. Gents up to 36 but the Club can set limits. My home club - the gents can be no more than 32.

When you break, the amount of which you break, is dependant on your handicap.

There is a buffer zone if you don't play to your handicap (if over).

There is no buffer zone in this instance for those with handicaps 4 or less.