For singles stroke play the stroke allowance is 95% of the Course Handicap. In addition, because the players are playing from tees with different Pars, the competitor playing over the higher valued Par receives the difference in the Par values added to the Course Handicap after the application of the stroke allowance.
(Note: as an alternative, if the majority of the field are playing from the tees with the highest Par then players competing from tees with a lower Par may be allocated less strokes for the round).
In this case Norma receives an upward adjustment of 1 stroke (71 – 70) after the stroke allowance is applied.
Norman’s Playing Handicap = Course Handicap x Handicap Allowance
= 12.200 x 0.95
= 11.590 rounded to 12
Norma’s Playing Handicap = (Course Handicap x Allowance) + Difference in Par
= (18.124 x 0.95) + 1
= 18.218 rounded to 18
Both players returned gross scores of 89 strokes.
For placing in the mixed/multi-tee Medal competition:
Norman’s net score is 89 -12 = 77
Norma’s net score is 89 – 18 = 71