local laProblemTxt[5], laProblemFlag[5]
        * should be in setup code or table driven... 
        * not inited again and again...
	laProblemTxt[1] = " payment arrangements"
	laProblemTxt[2] = " recent payments"
	laProblemTxt[3] = " been recently billed"
	laProblemTxt[4] = " some process pending"
	laProblemTxt[5]	= " recent status changes"

        *-- Short and sweet if it is only flags!
	laProblemFlag = 0

* Processing code
for lnI = 1 to Alen(laProblemTxt)
    if laProblemFlag[lnI] > 0
	.cProblemText = .cProblemText + "," + CRLF + ;
	transform(laProblemFlag[lnI]) + ;
	iif(laProblemFlag[lnI] > 1, ;
	" accounts have", ;
	" account has") + laProblemTxt[lnI]
     endif
next
if not empty(.cProblemText)
   .cProblemText = substr(.cProblemText,4) + "."
endif

why couple the flags and the text in 1 Array ?
It is easier to code in 2 arrays and lets you decouple the constant text...
Also independant of later additions to the error state.

regds

thomas