                             SUMMARY REPORTS

     ACCOUNT SUMMARIES (VIEW OR PRINT): You may either print (onto the
printer) or display (onto the screen) this report. There is one line for each
account, with the account name listed about one-third of the way across the
page. To the left of the account name, is the last confirmed balance and the
associated date. Just to the right of the account name is a summary of the
total amount, and number of (in parentheses) unconfirmed debits and credits.
To the right of this are two columns which give the date of the oldest and most
recent unconfirmed transactions for the account. The current balance (based on
the last confirmed balance and the unconfirmed debits and credits) is presented
in the right-most column.

     CATEGORY SUMMARIES (VIEW MONTHLY OR PRINT FULL): You may view a 
detailed monthly display of all categories (expense and income) or you can
print the summary showing all categories for all months on a single page.

     SORT OR UNSORT THE CATEGORIES: Use this function to put expense and income
categories in order. Specify whether you want the budget or actual categories
sorted and if you want a particular month or the entire year ("total") sorted.
Now you will be able to view the categories in the other functions of this
submenu in order. They will stay in this order until you reorder them according
to a different month, choose the "Unsort" function, or leave this module to
return to the main menu.

     NET WORTH STATEMENTS (VIEW OR PRINT): PHASAR allows you to list
assets and liabilities and generate a net worth from them. The net worth can be
viewed on the screen or a nicely formatted net worth statement can be printed
out. Most of the line used to list an asset or liability is for descriptive
information (which the computer ignores in its calculations). The column titled
"amount or account" can contain either a fixed amount or the name of an account
which you have defined to PHASAR. If you use an account name when you compute
net worth the current balance in that account will be substituted. An account
with a negative balance (e.g. a charge card) should generally be listed as a
liability. There are 40 lines for assets and 40 lines for liabilities.
