[quote="Jon H"]Handicaps are based on the person's PB, or a nominal figure if they're a new rider.
If someone's got a PB of say 24 min 30 sec, then they get a 4:30 handicap. That gets taken off their actual ride time to give a handicap time. So, if they finish in 25 min then their handicap time is 21:30. Simples.