Thanks Steve.  You're brave soul; others seem too be to scared to answer or I'm not clear enough. 

You have a very good idea; but how will I know if member and or...

I took everyone's advices and reworked it to baby steps

Background:

Table1: Temporary table that's truncated and repopulated daily by a flat file that contains new users and modified users

Table2: Current user information

End...

noeld: wise words.

remi: you are correct: I have a live table where the info is kept.

I have a staging table where new/updated data is entered and then at the end...

Thanks. So simple when you point it out to me.