Well, thanks to the support I got here, I now have a form, looks pretty good, opens in all browsers and has been thoroughly road-tested by a blind lady and her screen-reader software.
It's here:
http://www.queens-english-society.com/apply.html
Now to get it to do something! I don't think I can follow Fe Pixi's link to some script, as I have saved my page as an HTML and there is other content on the page.(
Mind you, at my great old age, I don't know my php from a lemon)
I want my form data to come to me via e-mail.
It would be an idea to have a thank you message go back to the user
The user should have the option to stay on the page, where there is a link to PayPal - I want their subscription to our charity, if you see what I mean.
My hosting service offers some script for form-to-e-mail, but it includes "image verification", which kinda makes the whole thing inaccessible again.
I have seen "iv" with audio assistance for people who cannot identify the image. SCARY!
So despite all your welcome assistance, I'm stuck at the last hurdle.