David and Greg are playing as a side in a four-ball stroke round.
At the conclusion of the third hole and before any player started the fourth hole, it is discovered that David has been playing with 15 clubs (since the round began).
David gets penalised 6 strokes, 2 strokes on each of the holes played so far.      [REF: 6S1119]

Jill's ball has come to rest in the branch of a tree.
The tree is entirely rooted in an area of marked GUR (general area).
The spot directly below the ball is in a red penalty area.
Jill must either play the ball as it lies or take penalty area relief.     [REF: 6S1249]

Liz is playing stroke.
A Par 3 has a boundary running along the left side of the hole.
Liz's tee stroke goes left and comes to rest in the general area amongst some trees to the left of the putting green.
Her next stroke hits a tree, rebounding back towards her and might go out-of-bounds so Liz deliberately stops the ball (before it goes out-of-bounds).
The players agree that the ball would have come to rest out-of-bounds.
Liz best estimates where she played that stroke from and places a ball on that spot.
She now takes 3 more strokes to complete the hole then starts the next.
What is Liz's score for the Par 3?         [REF: 6M1001]

Jill is playing stableford.
Her ball is at rest in someone's footprint in a bunker. She plays a stroke, and the ball just makes it out the bunker and comes to rest in the general area.
Jill begins to rake and smooth the bunker when she notices her ball begin to roll backwards.
Jill immediately stops raking and has done so before the ball enters the bunker.
The ball comes to rest on virtually the same spot as before (has now been smoothed).
She now plays out of the bunker onto the putting green.
Jill is penalised 2 strokes.       [REF: 6T1042]

Liz says to Jill during a play stoppage.
"An obstruction (within the Rules of Golf) is any artificial object except for integral objects or boundary objects"       [REF: 6S1147]