Really? Jeesh, I've been doing it that way for years - always thought it was a real pain - but it kinda worked!
Thanks for the advice.
Out of interest, I'm having a problem with the tabindex on this form. When you are in the first form field for first name and try to tab into the next field you have to double-tab? All the other tabs work, in the correct order, and I've triple checked the numbering. Some kind of bug?