Complete 20 game matches as you did in the leagues and take a picture of the final score sheet. 80% Handicap is added to the final score of the player with the lower game average. Example Player 1 = 100.5 AVG. and Player 2 =80.7 AVG. 100.5 - 80.7 = 19.8 X .80 = 15.84 points will be added to the lower player's average.