Thank You guys,

sounds like this requirement cannot be met in a udf unless

I build it as a string and then convert it to a XML. That is all...

Thank you but the problem is how can i pivot it in a function? Columns are dynamic....

Thank You.

I was able to fix it by adding OPTION(RECOMPILE);

Thank You.

I think I will keep the 2 bridge tables as this represents the data modeling better, I suspect there is not a big perfermance difference between the two.