Paul,

Try something like this (assuming that your fk is a numeric or integer.

BoundColumn = 3
BoundTo = .T.
ColumnCount = 3
ColumnWidths = 100,100,100,0 && or whatever shows the data you want
ControlSource = v_estimates.fk_insurance
RowSource = v_insurance.company,division,iid
RowSourceType = 6, Fields

Dump the code to move the record pointer in v_insurance as the combo will move it automatically to the selected value's record. BTW, the combo will show the boundcolumn whenever it is not dropped down.