Thanks for replying Walter, that's a good one as well.

That second one is particularly interesting.

Any time I'm dealing with rate effective dates, my mind almost instinctively goes for the MAX approach, but people now have 3 different versions to choose from. 3 of the last 4 DB projects I've been on, had to deal with dates in this fashion, and I imagine others have to deal with this frequently.

Thanks everone....and congrats Naomi on the UTPOY, well deserved.