I believe a ONE HUNDRED RULE is a good solution to the "problem" of age x ability. Quite simply, if your age plus your handicap equals 100 or more, you play from the ladies tee. A 64 year old off 36 and an 80 year old off 20 play off the ladies tee. If you're 75 and play off 5, if you're 95 and play off 4, forget it- you don't need help