<On the Initial_Application_Form how does a user select a company in the database in the subform Reference_Input and have it populate the other subform Initial_Application_input_Refs?>
For the benefit of other Experts who might review this thread:
The upload I provided below includes a new form which would be used to work with the normalized structure. That form is named Applicant, and it is set as the Startup form. I've also included a new field in the References subform which shows how to store the Acct Number, and how to force the user to enter that value when entering a new Reference (or editing an existing reference).