DO CASE
   CASE m.instnum = SPACE(4)
      m.obt=1
   CASE m.borrnum1 = SPACE(3)
      m.obt=2
   CASE m.borrnum2 = SPACE(2)
      m.obt=3
...

ENDCASE
WAIT WINDOW 'Inputs not completed' TIMEOUT 1
DO CASE
   CASE m.obt=1
      Thisform.Text1.SetFocus()
   CASE m.obt=2
      Thisform.Text2.SetFocus()
   CASE m.obt=3
      Thisform.Text3.SetFocus()

...

ENDCASE