Thanks Hillary,
The SharePoint is part of Office 365 (online, 32 bit). I have SharePoint Designer 2013. So far the only change I've made using Designer is to change 2 default fields in a Content Type from Optional to Hidden. Does 2013 sound like the best version of Designer for me?
The solution you point to looks great, on the surface at least. It purports to make permissions in a SP list manageable at the field level, something everyone says is impossible. I'll try messing around with it when I have more time. It looks like it might involve more code manipulation than I am allowed to do in this lab. I'll let you know.
I hope you're having a great summer.
Peter