>1. use creditenvoy
> browse 1 min to 2 min to open

Do you perhaps have lots of deleted records in this table? What do you get with

SET DELETED OFF
COUNT TO temp FOR DELETED()
? temp
SET DELETED WhichEverWayYouUsuallyHaveIt

>2. SELECT *;
> FROM credit!creditenvoy;
> WHERE Creditenvoy.transcode = ?lctranscode;
> AND Creditenvoy.studio = ?lcStudio;
> AND Creditenvoy.control = ?lcControl;
> AND Creditenvoy.cardacct = ?lcCardAcct;
> AND Creditenvoy.authcode = ?lcAuthCode;
> AND Creditenvoy.settled BETWEEN ?ldSettled1 AND ?ldSettled2
>
>1 min to 2 min

How many records does this return for the set of parameters you are using on this 1 - 2 minute test?