Last Updated: 12/10/21
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https://www.usga.org/content/usga/home-page/handicapping/world-handicap-system/handicapping-reference-guide.html?utm_source=Club+Official+Digest&utm_campaign=773e5bb65e-EMAIL_CAMPAIGN_2018_03_15_COPY_01&utm_medium=email&utm_term=0_0200b64998-773e5bb65e-158333825
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