Forgot 1 line, you need to append blank into the holder
cursor before running the SQL command.

>It is not very pretty and is not really a placeholder but
>it does work.
>
>create cursor holder (hold m)
>
>select client.name, holder.hold as notes ;
>from client,holder ;
>where client.rating < 3 ;
>union ;
>select client.name, client.notes ;
>from client ;
>where client.rating >= 3 ;
>into cursor results
>
>>

>>Data Type     Placeholder
>>---------     -----------
>>Date          {  /  /    }
>>Character     ""
>>Numeric       0
>>Memo          ????????
>>

>>What is the placeholder to represent a memo field in a UNION SQL command?