DDS WRDWRAP Function

I am trying to use the 'WRDWRAP' option and have some question on its use.

I have defined a display of 1200 charters. The nice thing is that when it is 
displayed, it automatically wraps.  But this created some problems I am not 
sure how to fix or if can be fixed.

When the field return key is hit the cursor moves back to the top. Is there a 
way to have it move to the next line?

When the 'Insert' key is used it moves all the lines below also. Is there a way 
to stop this?

If neither of these can be corrected. I can always define each line 
individually in the DDS. If I do this, what attribute would I use to use the 
cursor to move to the next line when it reaches the end of a line?

Thanks for any and all help,
William Moore
805-489-5144