We want a monthly customer report, one row per customer, showing total spend and total payments for the month. The transaction table records customer, month and amount for each purchase; the payment table records customer, month and payment amount. In March, customer 101 made three purchases of 100, 200 and 300, and two payments of 250 each. A colleague joined the two tables directly on customer and summed, getting 1,200 in spend and 1,500 in payments. Why, and how would you fix it?