>I think that your second idea is a good one: having the ability to add a row at the bottom that does not hold a record, but resizes with the columns. This would be enough to cover your first request too, and much more, because the developer could put whatever he wanted in that band: averages, counts, sums, whatever.
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>I think your first suggestion would be too restricting.

It would be nice to be able to add rows to the grid that is not a row in the underlying table. Such rows could be used to display intermediate sums etc for just a group of records.