>select a.client_num, a.client_src, a.fname, a.lname;
>from clients a;
>where (a.client_num IN (select b.client_num from bal b);
> and a.client_src IN (select b.client_src from bal b));
> or (a.client_num IN (select c.client_num from ver c);
> and a.client_src IN (select c.client_src from ver c));
>into cursor bc && Billed Clients
>
>Thanks!

something like the following should also do it

SELECT DISTINCT Clients.Client_num,Clients.Client_SRC,Clients.FName,Clients.LName ;
  FROM Clients;
    inner join Bal;
     on Clients.Client_SRC+STR(Clients.Client_Num)=Bal.Client_SRC+STR(Bal.Clients_Num)
union ;
SELECT Clients.Client_num,Clients.Client_SRC,Clients.FName,Clients.LName ;
  FROM Clients;
    inner join Ver ;
     on Clients.Client_SRC+STR(Clients.Client_Num)=Ver.Client_SRC+STR(Ver.Clients_Num)
into cursor bc

Arnon