Ok you cross-browser specialists, look here!
If you visit the link and download the file, pretty much everything is there. The hangups I get in NS and Moz are when the validator reaches the SELECT object. I'm looping though the form, the looping control variable being the elements collection of the form, but NS and Moz don't seem to see the SELECT objects the way I have them referenced.
If you need more info or I've been confusing here, let me know and I'll elaborate.