Thanks Richard, I unerstand what you're suggesting.

This is what I'll do:
I'm going write a macro to fire whenever a cell is changed in Column-A on the Master List, it will find the interestion between that person's row and date, insert the formula and replace it with values immediately. I think this will give me what I need and it will be easy enough to write.

Thanks for helping me think this one out!

Thanks again!