Not so fast, @rcwkent This thread was posted in June. To be fair, you need to start with your June HI. I met my "5" goal if I count from Feb when I was carrying 23 HI. But in June of this thread's post, I was at 17.5, hence, my goal of "5" is 12.5. OK, OK, @rkim291968 .... I'm busted! When this thread started my GHIN was 19.7 ..... so I'm down 2.4 ....less than halfway to 5. Yikes!