I am doing a form for my son's daycare in which I have a drop off time and a pick up time, I thought it was simple enough, I need a field to tell me the difference in time and then times the difference to the rate charged. Am I just being ignorant???? If not, I sure feel that way!

I think you will find this Article most helpful in figuring out how to calculate time in Access.
http://support.microsoft.com/support/kb/articles/Q88/6/57.ASP?LN=EN-US&SD=gn&FR=0&qry=q88657&rnk=1&src=DHCS_MSPSS_gn_SRCH&SPR=ACC2000