Peter,

I see what you are saying, let me play devil's advocate with you a bit. Pretend I am using your accounts and onwers forms the way you described. Then my phone rings and it is one of the owners telling me that they want to change their phone number. I would like to bring up another instance of the owner's form so I can make the change right now without losing the relationship between the accounts form and the other owners form.

A form that must be 800X600 could probably use a pageframe to simplify the UI. The apgeframe, if used well, would allow that form to be smaller and would allow a user to call two owners and compare them. Or to work on one owner but respond top telephone inquiry from a different owner, or to have multiple account forms open looking at multiple accoutns of the same owner, etc