Disabling JTextArea in a JScrollPane

Hello,
I have an application that contains some JTextFields
and a JScrollPane with a JTextArea as the viewport.
The JTextArea is readonly for displaying messages with
setEnable to false (setEditable and setFocusable are also false).
The problem is that I can tab thru the fields fine,
skipping over the scroll pane, however as soon as a
message is deposited in the scroll pane things
screw up. What happens is that as I tab
down to the scroll pane, I loose my cursor and I
have to tab again to get it back. It is like it gets lost when I try to tab past scroll pane.
Is it possible that something is being added to the focus
cycle when I insert a string into the JTextArea?
Thanks in Advance
KarlBH

Also make sure that the JScrollBars are set to not focus.

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    here's your initComponents with a couple of changes, the problem was the Gridlayout(15,1)
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        setDefaultCloseOperation(JFrame.EXIT_ON_CLOSE);
        //Container pane = getContentPane();
        JPanel pane = new JPanel();
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        GridLayout grid = new GridLayout(2, 1);
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        fileMenu.setText("File");
        exitMenuItem = new JMenuItem();
        exitMenuItem.setText("Exit");
        fileMenu.add(exitMenuItem);
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        setJMenuBar(menuBar);
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        jLabelPrincipal = new JLabel("Amt to borrow in whole numbers");
        jTextFieldMortgageAmt = new JTextField(10);
        GridLayout Principal = new GridLayout(1,2);
        jPanelEnterPrincipal.setLayout(Principal);
          jPanelEnterPrincipal.add(jLabelPrincipal);
        jPanelEnterPrincipal.add(jTextFieldMortgageAmt);
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        jLabelChooseRateAndTerm = new JLabel("Choose the Rate and Term");
        buttonCompute = new JButton("Compute Mortgage");
        buttonNew = new JButton("New Mortgage");
        buttonClose = new JButton("Close");
        GridLayout RateAndTerm = new GridLayout(1,5);
        jPanelRateAndTermSelection.setLayout(RateAndTerm);
        jPanelRateAndTermSelection.add(jLabelChooseRateAndTerm);
        TermAndRate = new JComboBox();
        jPanelRateAndTermSelection.add(TermAndRate);
        TermAndRate.addItem("7 years at 5.35%");
        TermAndRate.addItem("15 years at 5.5%");
        TermAndRate.addItem("30 years at 5.75%");
        jPanelRateAndTermSelection.add(buttonCompute);
        jPanelRateAndTermSelection.add(buttonNew);
        jPanelRateAndTermSelection.add(buttonClose);
        pane.add(jPanelRateAndTermSelection);
        jPanelAmoritizationSchedule = new JPanel();
        jTextAreaAmoritization = new JTextArea(26,50);
        JScrollPane scrollBar = new JScrollPane(jTextAreaAmoritization,
          JScrollPane.VERTICAL_SCROLLBAR_ALWAYS,JScrollPane.HORIZONTAL_SCROLLBAR_ALWAYS);
        scrollBar.setPreferredSize(new Dimension(500,100));//<------------------------
        jPanelAmoritizationSchedule.add(scrollBar);
        getContentPane().add(pane,BorderLayout.NORTH);
        getContentPane().add(jPanelAmoritizationSchedule,BorderLayout.CENTER);
        exitMenuItem.addActionListener(this);
        buttonCompute.addActionListener(this);
        buttonNew.addActionListener(this);
        buttonClose.addActionListener(this);
        TermAndRate.addActionListener(this);
        jTextFieldMortgageAmt.addActionListener(this);
        jPanelErrorOutput = new JPanel();
        jLabelErrorOutput = new JLabel();
        FlowLayout error = new FlowLayout();
        jPanelErrorOutput.setLayout(error);
        //pane.add(jLabelErrorOutput);not worrying about this one
        //setContentPane(pane);
        pack();
        setVisible(true);
      }instead of
    if (TermAndRate.getSelectedItem() == "7 years at 5.35%") ;
    Term = 7;
    IntRate = 5.35;
    you would be better off setting up arrays
    int[] term = {7,15,30};
    double[] rate = {5.35,5.50,5.75};
    then using getSelectedIndex()
    int loan = TermAndRate.getSelectedIndex()
    Term = term[loan];
    IntRate = rate[loan];

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