>First off, I am not sure why we are even discussing Locate. Unless we are talking about a non-indexed field, it has NO value. Best to use Seek.
John,
Another place where LOCATE is of value is when the criteria is complex and there is no particular index that would allow a seek;
LOCATE FOR State = "PA" AND Amount >= 1000 AND Amount <= 10000
There may be indexes on State and Amount, but there is no way to SEEK that criteria.