Steve Corona has written an excellent background article on the origins of PHRF-LO. Called Handicap Analysis
This well describes how the organization came into being, how the early determinations of handicaps were made, and how increasing sophistication of the review of assigned handicaps and assigning of handicaps has developed. The vital question is - where do we go from here? This is a matter that has consumed considerable time for your executive in the recent past and has two parts that have developed from Steve's article namely, assigning new handicaps and reviewing existing handicaps.