Schwartz, William   #6295
No. Date Tournament – Course Division Gross Adjusted Rating Slope Diff. Top
1.  8/9/2020 August Classic – Hilldale Low 81 81 72.0 138 7.4 #1
Tournament Handicap = 7.1   = ((7.4) / 1 * 0.96)
The USGA procedure for calculating a Handicap Index is described at:
http://www.usga.org/Handicapping/handicap-manual.html#!rule-14389
NIMAGA Tournament Handicap Index uses top 3 of last 6 differentials;
(or top 2 if only 4 differentials or top 1 if only 2 differentials).