>Unfortuanately each banks file is in a different format. Some are close to others and a few are the same. I had to create a way to get each bank's info uniquely for that reason and they love to change things. I would end up with 7 different formats in one file. Too hard to deal with even if I use Monarch. It would have been nice though.

Maybe I'm missing something but you are doing that in your program where you append records to risdata_temp2 cursor. I was suggesting to use a daily holding file instead of that cursor and process it after all downloads are completed.