text: or The USGA and Golf Australia systems use the first calculation; the WHS, EGA, and Golf RSA systems use the second. Under CONGU's Unified Handicapping System the exact handicap is rounded to the nearest whole number to produce the playing handicap, and in the Argentinian system the exact handicap is used directly.
  A playing handicap may also refer to the stroke allowance for a given competition dependent on playing format, and is generally calculated as a percentage of the course handicap.
  Stroke Index
  The Stroke Index is a number that has been assigned to each hole on a golf course, and usually printed on the scorecard, to indicate on which holes handicap strokes should be applied. On an 18-hole course, each hole is assigned a different number from 1 to 18 (1 to 9 on a 9-hole course). The lowest numbers are usually given to the holes where a higher handicapper is most likely to benefit, and the highest numbers to the holes they are least likely to benefit. Odd numbers will be allocated to either the first or second 9-holes (and even numbers to the other) to ensure a balanced distribution of handicap strokes, and guidelines generally recommend avoiding having the lowest numbers at the start or end of each nine in order to prevent early stroke allowances in playoffs between golfers with similar handicaps or strokes going unused if they are at the end.