function CF_2Formula return Char is
  v varchar2(500);
begin
  select picture 
  into v
  from consumerappliedform 
  where bookno = :bookno 
    and accno = :accno;
    
  srw.message(1, 'After SELECT PICTURE');

  return v;

exception 
  when no_data_found then
    srw.message(2, 'Exception - NO DATA FOUND');
    return 'H:\Billing\NMD\Consumer_Picture\no_image.jpg';
end;

function CF_2Formula return Char is
  v varchar2(500);
begin
  select nvl(picture, ''H:\Billing\NMD\Consumer_Picture\no_image.jpg')
  into v
  from consumerappliedform 
  where bookno = :bookno 
    and accno = :accno;

  return (v);
end;