I've always had an official handicap since I've had a club membership. Up here in NB that's figured into the price for the most part, think it's $25. I didn't know you could do it outside of a membership, but it makes sense. I've rarely played in anything that wants an official handicap card, but the option's there if I suddenly discover the Ultimate Golf Secret and start entering the provincial tourneys. Cape Breton? Highland Links, Dundee, Bell Bay...some great courses on the island. I've got to get back there.