Karin:

I could be any one of the times you mention and it would be difficult to tell exactly which issue was causing the problem without physically being able to see the financial statement with data.

To see the border formating right click on the field containing the border (I appreciate that sometimes it can be hard to tell exactly which cell when you're not sure if its a top or bottom border) and select format. Then selcte the border tab. Look for the indented buttons that signify the type border and location.