Hi Debra.

>> I have a form that contains 21 check boxes. Is there a simple, efficient way to determine which boxes are checked? <<

Off the top of my head:

FOR EACH loControl IN Thisform.Controls
  IF loControl.BaseClass = 'Checkbox'
    *** Code here to handle the checked boxes
  ENDIF
ENDFOR

If your check boxes are sitting on a page, you need to call add logic to drill down into the page.