PHRF handicaps seem to vary by region, depending on the local body responsible for the rating. Mine, from NC-PHRF is 165. That assumes the wing keel and the factory mainsail and 135% headsail. Base rating is 159 and I get 6 sec/mile adjustment for the 3-bladed sea anchor. Karl Mielenhausen Catalina 320 Hull 690 New Bern, NC