Mark, I disagree with your thinking on this. I don’t think it favors the low handicappers at all. All the events or leagues I play in, it is always the higher handicapper winning. I have my reasons for believing this but I don’t want to go into that. The reason for the lowest 10; and the 96% is the handicap is suppose to show your potential of a low score. You should only reach your handicap 3 times in #20 rounds(this is what I remember from the last time I looked all of this up) no system will truly work until all golfers start posting ALL of their scores and we all know that won’t happen.