Fields, Margins, Tab on Return

[SimPLsol at aol.com]

     Create a new rectangular field with four lines of 9 pt. type on 12 pt. 
leading - 48 pixels tall. Default margins are 5.
1. Try to set the margins to zero. Half of the leading on the top line 
disappears. Width margins seem to be tied to height margins, which makes no sense to 
me. I can find no way to set either set of margins to zero. Is there a way?
2. Type something in the first line of this field. Hit the return key three 
times; the cursor is flashing on line four; all is well. Hit the return key 
again; the field scrolls; the cursor is on line five; the info on line one is 
invisible; and the only way to get back to seeing line one is to delete lines 
(there is, of course, no scroll bar on a rectangle field)! Rectangle fields 
should not scroll! Right? I don't want the user to put a five line address in a 
four line address field.
3. I can prevent the scrolling if I check "Tab on Return". This works all 
right for a plain field or a one line field. But, if i add a 1 pixel border and 
check "Three dimensional" on this four line field, the cursor will no longer go 
into line four. I can only fix this by increasing the height of the field 
(unacceptable, 4 lines of 12 pt. leading must be 48 pixels, 3 lines must be 36 
pixels, etc.) or reduce the margin to 3 - which cuts off the top of the first 
line again. This problem seems to be directly related to #1.

(Using OS X 10.3.5, TiBook 400, 1 gig of RAM)

What I want is a std., non-scrolling, rectangle field, with 3D, a one pixel 
border, the ability to type into all lines, the height of the field to be 12 
times the number of lines in the field, and (on some fields) the ability to auto 
tab without losing the last line of the field. Is there a simple way to do 
this?

I appreciate your assistance.

Paul Looney