I have two queries: 1. a sum of payments by individuals 2. a sum of charges of individuals. I want to combine these queries to create a report that shows the sums for each person of the charges and payments and calculate the balance. However, it is only showing me those individuals that have both a charge sum and a payment sum, while some individuals will only have a charge sum. How do I get those individuals to show and show with a zero payment balance if they are in my charge sum query but not my payment sum query and vice versa (some may have made a prepayment even though they have not been charged yet).