We define the score to lower as the score needed to lower your handicap to the next lower integer (rounded). So, if your handicap is a 20.6 (rounded to 21) your "lower handicap" is defined as 20.4. Similarly, if your handicap is 21.4 (also rounded to 21) your "lower handicap" is also defined as 20.4. Note that the Score to Lower is different than your Target Score. Your Target Score is defined as the score a golfer of your course handicap should shoot on a good day (not average, but good). If you shoot better than your target score, your handicap should decrease, but it may only be by a small amount, and not to the next lower integer.