Like Pat, I am confused by data structure.
Can arrange controls so the Penalty fields are below Code_Num but then the labels will show under every code even if there is no data.
How high do those code numbers go? You should be aware that 10.0.0 will sort before 2.0.0; 1.10.0 will sort before 1.2.0, etc.
Where does "Blah blah blah blah blah" come from?
Most anything can be done with enough code and this might require some very creative coding.