If you three-putt to lose a tournament, it sticks with you. If you hit it in water to lose a tournament, it's no big deal. You can always say it was a bad shot or a bad (course) design or whatever. If you three-putt, you feel like a total jackass, because nobody should three-putt. Then it's just kind of nerves taking over.

It's a good way to make a small fortune smaller.

You want a two-stroke lead going into 18. If you get it into the wind, you'd better snap on the chin strap. It's going to be pretty darn tough.

Water is more of an annoyance. 'We've got to hit a pretty bad shot to hit it in some of the water hazards.