True - my "would like" was only showing the repeating data, not the formatting that would be needed. When I was beginning I was only trying to master the repeating data. The formatting would come later to make it more presentable.

Using your (very helpful) Tutorial as an example - I would like to explain more clearly what I am after:

Using your City and State example - if there were also multiple Managers (Mgr) per City and you wanted a sort like:

per State NSW
per City Sydney
per Mgr <tab> Representative <tab> Sales Mgr Jones Brown $5,300
Driver $8,700
Mgr Smith Gadzic $7,400
Williams $700

My question is - Would THIS scenario use 2 or 3 keys?

my understanding is that a key is used to "keep entering data lines until you are done with that key".

In my "Would Like" example I would like it sorted by:
Employee Name
Benefit name with the price per pay period and the Benefit Amount *
Dependents for that Benefit

I cant seem to do that with the two key sort that runs "Have Now". I can only seem to do:

Employee Name
Benefit name Dependent for that Benefit
Benefit Name Dependent for that Benefit

THANK YOU very much for the learning links! I appreciate all of your help. Lisa