I haven't understood much of what you said, except perhaps this:
I can't figure out why the sub-summary section will not just base those calcuations on that summary data instead of all results.
To use a sub-summary value in a calculation, you need to use the GetSummary() function.
Thank you for your quick response. I have changed 1 field and it looks like this will do the trick! So I will update the rest. I appreciate your expertise coming to my rescue. This is saving me from many more hours of confusion. Thanks again.