Generic INSERT error when in a basic master/detail form

I have a REAL generic master detail form with a TADOConnection, TADOQuery,
and the norma db nav, datasource, and dbedit controls. All I want to do is
click the + sign in the nav and insert a record against my SQL server table.
But at the time of posting the INSERT, I always get the generic EOle...
"errors occurred" message. Updates and deletes work fine.

If I change the lock type to batch optimisitic, the insert seems to work,
but the updates and deletes don't. What is going on? This app has no code,
just the controls.

TIA, Bruce