I've got about 6 people I play with regularly. We all know each other pretty well, range in age from 30 to 45, range in handicap from 5 to 15 and none of us work together. We all follow the proper ettiquette codes and we all know and follow the rules. We play a $2 or $5 nassau with $1 junk(we use handicaps). Money has to exchange hands, even if it winds up being a dollar. We believe it's truely a different game when money's on the line. Of course there are times when someone's annoying or is being a jerk, but that's OK, we get over it. We may disagree at times, but never fight. We all respect each other and the game of golf - and that is the key.