Hi Gil,

See comments inline.

* It's beter to store data location path into a variable ot
*	Application object propery.
*	This way it would be easy to change data locatino in the future, if neccessary
lcDataPath = "c:\dsm\"
USE (lcDataPath + "currentbalance") IN 0
USE (lcDataPath + "redeem") IN 0
USE (lcDataPath + "date") IN 0

MS039=SQLCONNECT("ms039as01")
IF MS039 < 0
	* Use AERROR to get details about ODBC error and process it
ENDIF

* Textmerge makes code more readable
TEXT TO lcSql TEXTMERGE NOSHOW PRETEXT 7
select item, LTRIM(customer)as customer, points, agreement_number
from iaagmaster
where agreement_number in ('45493', '45492')
order by customer
ENDTEXT

lnResult = SQLEXEC(MS039, lcSql, "AG")
IF lnResult < 0
	* Use AERROR to get details about ODBC error and process it
ENDIF

SQLDISCONNECT(MS039)

* There's a problem with followinf select 
*	because there're no JOIN condition between 'redeem' and 'redeem ' tables
* As result it creates Cross-join
SELECT customer, sum(redeem) as redeemed ;
	FROM redeem , date ;
	WHERE date between startdate AND enddate;
	group BY customer;
	into CURSOR redemption

SELECT customer, points) as points FROM ag INTO cursor Pts

SELECT customer, SUM(VAL(points)) as points ;
	FROM ag ;
	GROUP BY customer ;
	INTO CURSOR CurtPts

SELECT NVL(red.customer, NVL(cbal.customer,cpts.customer)) AS customer, ;
		NVL(cbal.balance,0) - NVL(red.redeemed,0) + NVL(cpts.points,0) as balance ;
	FROM redemption red ;
		FULL JOIN currentbalance cbal ON red.customer=cbal.customer ;
		FULL JOIN CurtPts cpts ON cpts.customer=red.customer ;
	into CURSOR end

* Assuming that currentbalance table has index on customer
SELECT end
* Update balance if cutomer exists and inser new record if it doesn't 
SCAN
	IF SEEK(end.customer, "currentbalance", "customer")
		REPLACE balance WITH end.balance IN currentbalance
	ELSE
		INSERT INTO currentbalance  ("customer", "balance") ;
			VALUES (end.customer, end.balance)
	ENDIF
ENDSCAN

USE IN ag
USE IN CurtPts
USE IN end
USE IN currentbalance
USE IN redeem
USE IN date

>I agree. Here is my exact code I made some changes and decided to replace the table(currentbalance). Redeem is a table I use to add customers as well as add any redemeptions a customer has redeemed in the last month. If you see any short comings to this approach or any better ideas I'm game. THanks.
>
<snip>