>Can someone clarify the mechanism of case insensitivity ?

Well, I don't make use of it myself, but I think you need to create a
separate field containing an uppercase equivalent for each field you want
to be case insensitive. Then you specify the name of this column in the
"UpperCase equivalent". I think you should write triggers to populate the
uppercase fields as well, but I'm not quite certain (IBO does so much for
you automatically).

HTH,
Set