Just an update: Ray revisited how I was designing the db and had a better suggestion. For a small $99 ticket, he redid my db, pointed me in the right direction and gave me many more options than I had tried to build! He not only invested the time to phone me several times, but emailed me to answer my dummy questions.
I am not done yet, but miles ahead of where I was last week, in both progress and more importantly, by examining the code, eons ahead on understanding how to do things.
So cudos to Ray, to WA for their support system and patience to teach newbies like me.