I have to tell on myself. Yesterday i played a kid who was a 65 ave i had a 70 ave, we were playing the matchplay challenge for credits on kiawah for 18 holes. On the 8th hole i found myself three up on the kid, and he wrote me and said "oh we are playing 18? i almost hit the forfiet button" and in a cocky , trash talking kind of reply i said "well probaby more like 14 or 15 holes....lol" and he replied with..."right..." he then proceded to birdie every hole except the 15 hole where he lipped out for par, he had me dormie on the 17th hole where he calmly sunk an 18 foot birdie putt to make for one very humbling experience. I learned a LONG time ago, that you NEVER touch the money when competing where money is invloved, because 9 out of 10 times it will come back to bite you in the ass.