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In reality this file will consist of thousands of day records for thousands of different stocks. I need to be able to query the tables quickly and very often.
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Then it's settled. You don't need to re-invent the wheel as the only thing that will work here, and I mean
only thing, is a database. Anything else is bound to fail.
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I do not have access to database software.
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now you're talkin' nonsense. We all have access to database software; all you have to do is to download mySQL or some other free database and start learning it.