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SUBMIT YOUR IDEANot yet skilled enough with macros to take the hard path
Here is my solution! As with most things in life, I chose the "hard path" for this solution. Unlike most things in life, I did so intentionally this time. It was tougher than I thought it would be to solve without Join / Crosstab / Transpose / Multi-Field Formula / Multi-Row Formula!
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I'll come back for the hard path!
Tough challenge!
I don't know if I made it even harder by separating Individual from Joint salaries, but that and a macro are the way I did it without having to use joins.