Thanks for this suggestion. I am looking at it and it seems to have separate Company & People information. However, I don't see how it deals with 1 Account (Customer) who has many locations... and more importantly, am I correctly defining the appropriate tables?
Excelisys has a free unlocked demo, Business Tracker 2, that while not for the faint of heart will give you a different perspective on your question.
I don't subscribe to it totally preferring to go with two tables one for people and another for organizations and separate tables for addresses, phone numbers, etc.
You may even be able to adapt Business Tracker 2 to your needs.