Zmuda, Tom   #8770
No. Date Tournament – Course Division Gross Adjusted Rating Slope Diff. Top
1.  10/18/2020 Fall Classic – St. Andrews #1 Palmer 86 86 70.2 123 14.5  
2.  10/10/2020 NIMAGA Players Championship – Cog Hill #2 All 102 100 70.0 120 28.3  
3.  8/25/2020 August Midweek – Maple Meadows Low 89 88 71.7 127 14.5  
4.  8/9/2020 August Classic – Hilldale Low 91 89 72.0 138 13.9 #2
5.  7/19/2020 Club Championship – Hughes Creek Low 82 82 71.8 126 9.1 #1
6.  7/18/2020 Club Championship – Prairie Isle Low 88 88 71.5 132 14.1 #3
Tournament Handicap = 11.8   = ((9.1 + 13.9 + 14.1) / 3 * 0.96)
7.  7/9/2020 July Midweek – Schaumburg Low 82 82 70.3 127 10.4  
8.  6/16/2020 June Midweek – Wedgewood Low 80 80 69.8 123 9.4  
9.  6/7/2020 Summer Classic – Shepherd's Crook Palmer 85 85 69.7 124 13.9  
10.  5/28/2020 May Midweek – Bristol Oaks Low 83 83 68.9 121 13.2  
11.  9/15/2019 Players Championship – Pinecrest All 95 95 70.0 124 22.8  
12.  9/14/2019 Players Championship – Pinecrest All 82 82 70.0 124 10.9  
13.  8/19/2019 August Midweek – Turnberry Low 83 83 71.6 135 9.5  
14.  8/4/2019 August Classic – Heritage Bluffs Low 91 86 71.3 132 12.6  
15.  7/9/2019 July Midweek – Steeple Chase Low 83 82 71.8 137 8.4  
16.  6/23/2019 Summer Classic – Springbrook Palmer 87 87 71.1 129 13.9  
17.  6/17/2019 June Midweek – Bowes Creek Low 94 94 70.5 135 19.7  
18.  5/14/2019 May Midweek – Village Links of Glen Ellyn Low 96 94 71.2 130 19.8  
19.  4/23/2019 April Midweek – Pine Meadow Low 81 81 70.8 129 8.9  
20.  8/15/2018 August Midweek – Village Greens Low 88 86 71.8 128 12.5  
21.  8/12/2018 August Classic – Old Orchard Palmer 96 92 70.3 134 18.3  
22.  7/15/2018 Club Championship – Blackberry Oaks Low 88 85 72.6 134 10.5  
23.  7/14/2018 Club Championship – Blackberry Oaks Low 84 83 71.3 134 9.9  
24.  6/12/2018 3June Midweek – Chalet Hills Low 92 90 72.7 139 14.1  
25.  6/3/2018 Summer Classic – Inwood Palmer 93 90 70.8 127 17.1  
26.  4/30/2018 April Midweek – Seven Bridges Low 86 85 70.7 135 12.0  
27.  4/14/2018 Spring Thaw – Gleneagles Palmer 87 85 69.0 120 15.1  
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).