OK Guys,

I tried the option of using the IF() function in the Total row and leaving the ADDEBIT/ADCREDIT without the IF() so as to keep the drill down ability but this does not handle all conditions.

The only way I'm getting all conditions handled is to use the IF()in the Budget and Prior Year columns so I'll stick with that.

BTW - For anyone trying this, in the examples in my above posts, I should have said ADCREDIT not ADCRONLY. So to sum up, this is what's working best:

Liabilities Section:
Col.D: =ADCREDIT("GLDATA.BAL",$B40)
Col.E: =IF($D40==0,0,-ADGET("GLDATA.BM",$B40))
Col.G: =IF($D40==0,0,-ADGET("GLDATA.BAL_PY",$B40))
Col.I: =IF($D40==0,IF($E40==0,IF($G40==0,"FormatHidden",""),""),"")

Asset section similar but with =ADDEBIT and the embedded =ADGET commands would not have the "-" sign in front.

Seems to work, the only drawback being that it would appear that one looses the "Drill Down" ability if the AD??? function is embedded within other functions.

Thanks again, Peter