As of December 1, 2020, Focal Point is retired and repurposed as a reference repository. We value the wealth of knowledge that's been shared here over the years. You'll continue to have access to this treasure trove of knowledge, for search purposes only.
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HOLD without a format will store numerics in binary. FOCUS and XFOCUS do the same but depending on the structure can store a single instance of each BY field.
SAVE writes out just text, and should be the biggest.
You could also save back to a db and not write out hold files, depending on your setup.