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Can anybody explain to me in simple terms how to work out a golf handicapp?

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Can anybody explain to me in simple terms how to work out a golf handicapp?

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A handicap is calculated with a specific arithmetic formula that approximates how much worse than par a player should be able to play. The R&A (now a separate organization from the Royal and Ancient Golf Club), based in St Andrews, Scotland is responsible for the authorization of handicap systems in all golf playing countries except the United States and Mexico, where United States Golf Association rules apply. The administration of handicapping systems in countries affiliated to the R&A is the responsibility of the national golf associations, which are affiliated to the R&A. The two governing bodies specify slightly different ways to perform this calculation for players. The details of these calculations are presented below. A golfer’s net score is determined from his or her gross score (the number of strokes actually taken) by subtracting his or her handicap from the gross score. The net scores of all the competing golfers are compared and (generally) the lowest score wins. A player’

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