Here are the “casual rules” our money game plays with to help pace of play:
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All OB and lost ball are played as lateral hazard
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If the entire golf ball is inside the grip the putt is conceded, if any part is outside you putt it
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Against a tree root / rock or clearly inside a footprint in a bunker is free relief, typically announced to the group
Unlike some people, we do not do “gallery drops”. If you have that situation it is covered under casual rule #1 - take a 1 stroke penalty and drop like a lateral hazard