if your PK is (acctno, agencycd, clientname), then you are saying that the same account number can be used by the same client at a different agency
while that would be unusual, it is actually okay
it is also possible that the same account number can be used by different clients at the same agency
which you say is allowed, and of course it does make sense
it is also possible that the same account number can be used by different clients at a different agency
that sounds scary but it's actually normal
my rule of thumb: try saying it, and ask yourself if it makes sense
in your case, it does
