Not sure what is happening, but when I used the example in post #15, I get about the same results as before I started. So I went back into the query design view and it has so many conditions that I do not think I could reproduce them here. The SQL statement is extremely large. So I don't think that is the answer. When I look at the design view of the query, the part after the "or" is gone and a second line appears.
After thinking about this, I went back to my original query and thought about which fields in the underlying table always had data and which ones might have no data. They are [Surname] and [Telephone] which are txtSurname and txtAreaCode on the search form. If I use ... or is null on the txtAreaCode, then I can find all the records in a state that have data with data in the surname. If I add ... or is null to the txtSurname then I get all the records in the state including those with no data in the Surname, even if I am searching for a specific name in a specific State. So that is not the answer.
Then after more consideration, I realized that although it would be nice to have all the criteria in one query, I would never search for a name and a telephone number area code, so I deleted the criteria for the telephone number. I get a different result. There are only five records, the one I specifically searched for and four others with no data in surname. But searching only on the State in question, i.e., AK for Alaska, there are 26 records, some with data in Surname and some with no data.
So I am back to square 1-1/2. Better than before but no roses yet.
I am going to try a few more things tomorrow, but if there are any more suggestions on this, I am very appreciative.