as a crappy golfer who rarely tracks his full score nevermind handicap, if i was playing in a situation where handicap was a factor i would say to my group that i normally shoot about 115 - so whatever, you want to assign me for a handicap that is fine with me, as i would not expect to beat them even with allowances for our respective handicaps as i would likely crumble due to the pressure somewhere on the back 9
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