Good Morning John, and Happy Easter;

We all do things differently and here is my approach to the subject of reports.
I have a report class, and never place a data environment on a report. All my reports are run from a front end (a form the user enters
data into to give a date range, or other information to give a result set). I place my code on the Report Form and launch it via the
Search command Button of the form.

In your case I would do the following:

A minor point: I do not use the same field name in my tables (ssNumber). I will preface the field name with the first three letters of
the table name ie. cus_ssNumber and pay_ssnumber. Otherwise you will have to use an alias for the field name.

Select * ;
From Client, Payment ;
Where Client.ssNumber = Payment.ssNumber ;
Into Cursor CuReport ;
Order By Client.LastName

Tom