>select 1 as dummy, * from tmpbal into cursor tmp ;
>union all select -1 as dummy, * from pc ;
>union all select 1 as dummy, * from pay
>
>select client_num,client_src,SUM(dummy*amount) as balance ;
>from tmp ;
>group by 1,2

If I'm reading that right, it will give me each client with the total of everyone's balances. Not quite there, but you've giving me something to work with. I'll think on this some more.

Thanks,

-Michelle