explain more about the rows and columns of your cross tab... Calculated members work great but they are hard to visualize. If you could attach a picture of how it looks now that would be a big help as well.
If you cant do that, when editing your formula, look under functions and you will see a category called grid values. Thats where all the secrets of calculated members and embedded summaries are. They take some getting used to but are very useful!
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Crystal Reports 2011 and XI
Intersystems Cache 2012 ODBC connection