|| $self->ut_numbern('year')
|| $self->ut_numbern('month')
|| $self->ut_numbern('creditbillpkgnum') #no FK check, will have been del'ed
|| $self->ut_numbern('year')
|| $self->ut_numbern('month')
|| $self->ut_numbern('creditbillpkgnum') #no FK check, will have been del'ed