Handicap Calculation for Terri Warren for Week 19

Week of Rounds Used:		14	12	11	7	6		Total		Average		90%		Rounded to:
Gross Score:		48	48	51	48	53		248		49.60
Hdcp Score (over Par):		12	12	16	13	15		68		13.60		12.24		12

What does this mean? How are handicaps calculated?
Handicap Projection for Terri Warren for Week 20

If your next round score is:		Your new Handicap will be:
35-40		10
41-45		11
46-51		12
52-56		13
57-62		14