Don't use the select expert for this, just write a record selection formula.
Click on report, edit selection formula, record and enter a formula:
Isnull({Account}) or {Account}="Prospect"
It is important to always make the null test first, as crystal has trouble processing nulls at times.
Also, unfer file, options, reporting tab, there is a "convert null field value to default" checkbox. Make sure this is not clicked as it may get in the way of your null test.
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