some of our users still want to be able hit the red x at the top of the form. Therefore
I need a way to program the red x to set m0flag to 'quit' before it releases the form. I can't use the lost focus,
or destroy event buttons because when the Save button releases the form that event is activated and the
loop is exited.

I only want to exit the loop if the x is clicked.

Check out the form's QueryUnload() method - it fires whenever the user clicks on the form's close button (the red X in the upper right hand corner). You could call a method from that method to ask the user if he or she wants to save changes before exiting and then take appropriate action. If you do not want the form to close, just issue as NODEFAULT in the QueryUnload() method.