And by the way there is a related problem which I'm not sure can be
solved as simply as the lookup(big number,range) trick.

I want to produce a table showing the closing account balance at the
end of every month.

There may be no transaction between the 20th and the 3rd, but I'm not
worried about accrued interest so in that case I'd take the value on
the 20th.

This would enable me to show my historical end of month cash levels.

Travis