Handicap Calculation for Tom Rose for Week 19

Week of Rounds Used:		10	3		Total		Average		90%		Rounded to:
Gross Score:		49	47		96		48.00
Hdcp Score (over Par):		13	11		24		12.00		10.80		11

What does this mean? How are handicaps calculated?
Handicap Projection for Tom Rose for Week 20

If your next round score is:		Your new Handicap will be:
59-63		9
64-69		10
70-74		11
75-80		12
81-85		13