I played in a men versus ladies match today. Format was 4 ball better ball. Since they changed the handicap allowance it's getting quite difficult to play against them. One of the ladies was a steady if not particularly long hitting 30 handicap. Adding 2 'adjustment' shots because they were playing off the Gent's stroke indexes bought this up to 32, so 90% of the difference between my 12 handicap gave her 18 shots, 1 per hole. Her partner was a pretty competent 19 handicap who got 8 shots. Although my partner and I both played reasonably well, we lost 1 down at the 18th hole. I think that under the old 3/4 handicap allowance we would have won! 