Try this:
1. In the Database Expert, draw the link from Owner to Ledger.
2. Right-click on the join and make it a left outer join.
3. If you have set any selection criteria, edit the formula in the Select Expert. Format it like the following:
IsNull({Ledger.OwnerID}) or
(
<the rest of your selection formula>
)
This will ensure that you get records even if there is no data for the owner in the ledger table.
4. Go to the File menu and select "Report Options". Turn on "Convert Database NULL Values to Default". This should automatically set the numbers you want to see to 0.
-Dell