Matheas Manssen mentioned this to Bryan Smith:
 BS>> 1.  Controls close to the edge of the window, OK in Win 3.1, can cause
 BS>> scroll bars to appear in Win95.  So allow more space at the edges.
 MM> Two seconds ago, I was working in Delphi, when I saw a panel with
 MM> align=alClient, and I remembered this remark. Does this also cause the
 MM> same problem?
I doubt it.  Plus you can make sure scroll bars do not appear by setting the 
form's AutoScroll property to False.
                                ...Gary
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