Handicap Calculation for Bill Spencer for Week 18
Week of Rounds Used:  18 17 16 15 13  Total  Average  90%  Rounded to:
Gross Score:  49 48 51 45 50  243  48.60
Hdcp Score (over Par):  13 12 15 9 15  64  12.80  11.52  12

What does this mean? How are handicaps calculated?

Handicap Projection for Bill Spencer for Week 19
If your next round score is:   Your new Handicap will be:
39-44   10
45-49   11
50-55   12
56-60   13
61-66   14

Stroke average projection for Bill Spencer