text: SELECT STATE, LSTNAM, INIT, CUSNUM, BALDUE, ' '  
    FROM QCUSTCDT1                               
  UNION 
  SELECT STATE, ' ', ' ', 0, SUM(BALDUE), '*'
    FROM QCUSTCDT2                               
   GROUP BY JOHNNY                                   
  UNION 
  SELECT 'ZZ', ' ', ' ', 0, SUM(BALDUE), '**'
  FROM QCUSTCDT3                               
  ORDER BY 1,6