OK. If you decide to use the ListView change the initial column width settings to

VB Code:
  1. Set clmX = lvDisplay.ColumnHeaders.Add(, , "Year", 800)

  2.    Set clmX = lvDisplay.ColumnHeaders.Add(, , "AmountOwed", 1800)

and put this at the end of cmdCalculate which will compensate for the width of the vertical scrollbar (so you don't get an horizontal one).

VB Code:
  1. If lvDisplay.ListItems.Count > 6 Then

  2.         lvDisplay.ColumnHeaders(2).Width = 1520

  3.     End If