I've geen able to handle the line of business issue by creating a formula
BT=:maximum ({Sheet1_.PROD_BILL_TYPE},Sheet1_.APPLIES_TO_ITEM}).
Then I created another variable:
LOB: using case:111 222 for each line of business.
I created a group by APPLIES_TO_ITEM with totals for Charges, Payments and Adjustments. Which gives me a nice clean summary and looks great in the cross tab. The only problem is I onlyd want the groups that total zero.
By the way your Crystal Reports Encyclopedia book is awesome. I must have sold a dozen or so. It's always on my desk and is very loved with lots of pretty tabs all over it (for reference).
Thanks for your help!!! -Urgh
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