Terry,

You are right. To create a complete solution to deal with holidays may be we will need a region table and a third table to create a relation between holiday...

I wrote a wrong text into a reply few minutes ago.

The correct text is: (I included the word NOT in the last phrase)

For example, a national company that has a...

Very nice solution. I use a solution like that.

I suggest to include region information in holiday table, because a world wide solution needs to know world, national e local...