Yes... I can see now where Cross Tabs are more versatile... e.g. finding averages like below (and I'm sure there's a better way to write this):

SELECT SalesPerson,

SUM( CASE WHEN Product = 'Oranges' THEN SalesAmount ELSE 0 END) Oranges,

SUM( CASE WHEN Product = 'Oranges' THEN (SalesAmount/SalesCount) ELSE 0 END) Oranges_Ave,

SUM( CASE WHEN Product = 'Pickles' THEN SalesAmount ELSE 0 END) Pickles,

SUM( CASE WHEN Product = 'Pickles' THEN (SalesAmount/SalesCount) ELSE 0 END) Pickles_Ave,

SUM( CASE WHEN Product = 'Bananas' THEN SalesAmount ELSE 0 END) Bananas,

SUM( CASE WHEN Product = 'Bananas' THEN (SalesAmount/SalesCount) ELSE 0 END) Bananas_Ave,

SUM( CASE WHEN Product = 'Apples' THEN SalesAmount ELSE 0 END) Apples,

SUM( CASE WHEN Product = 'Apples' THEN (SalesAmount/SalesCount) ELSE 0 END) Apples_Ave,

SUM( CASE WHEN Product = 'Grapes' THEN SalesAmount ELSE 0 END) Grapes,

SUM( CASE WHEN Product = 'Grapes' THEN (SalesAmount/SalesCount) ELSE 0 END) Grapes_Ave,

SUM( CASE WHEN Product = 'Melons' THEN SalesAmount ELSE 0 END) Melons,

SUM( CASE WHEN Product = 'Melons' THEN (SalesAmount/SalesCount) ELSE 0 END) Melons_Ave,

SUM( CASE WHEN Product = 'Beans' THEN SalesAmount ELSE 0 END) Beans,

SUM( CASE WHEN Product = 'Beans' THEN (SalesAmount/SalesCount) ELSE 0 END) Beans_Ave,

SUM( SalesAmount) Total,

SUM( SalesCount) TotalCnt

FROM (

SELECT SalesPerson,

Product,

SUM( SalesAmount) SalesAmount,

COUNT( *) SalesCount

FROM names

GROUP BY SalesPerson,

Product) t

GROUP BY SalesPerson