>I'm preparing a presentation next week for my user group and want some ideas for when to use cursors, arrays, and collections rather than one of the others.

Collections - zero based, good. Arrays always have at least one element so you had to test that first element to see if it was populated. Now that we have collections...

Con for collections - one dimensional. Pro for arrays - multi-dimensional.

One thing I found with collections is that when I use one for storing object references to all my open forms, the collection item for a form is automagically removed when that particular form is released.