I think that an efficient technique for accounting for holidays would be something like this.

create table holidays (;
  dDate d, ;
  nDow  n(1), ;
  lWorkDay L, ;
  cDesc c(40) )

Index on dDate tag dDate
index on ndow tag nDow
index on lworkday tag lWorkday

Then you could "count" holidays between to dates like this:

function holidays
lparameter ddate1, ddate2
local laHoliday(1)
store 0 to laHoliday

select count(*) as nHolidays from holidays ;
  into array laHoliday
  where ddate between ddate1 and ddate2 and ;
    lworkday = .t.

return laHoliday(1)

>>Hi Nadya
>>
>>I intend no offence, but IMO checking for holidays should be a separate function. That way one could always check what holidays are coming up in the next month. This separate function can be called from the workdays routine by passing in the same date parameters.
>
>Agree, it could be and better be a separate function. It would return number of holiday days and we would just need to substract them.
>
>The problem with holidays, that they are not consistant, so for each year we would need a table of Holidays.