Public Function WrapString(ByVal sString As String, _
       Optional nMaxWidth = 72, Optional nMargin = 10, _
       Optional nIndent = 0) As String
       
   'sString = The string to be wrapped
   'nMaxWidth = The maximum width of any line
   'nMargin = The maximum number of characters to be
   '          dropped to the next line
   'nIndent = Additional space to be added to new lines
   
   'Verify that the values make sense
   Debug.Assert nMaxWidth > 1
   Debug.Assert nMargin > 0
   Debug.Assert nMargin < nMaxWidth
   Debug.Assert nIndent >= 0
   Debug.Assert nIndent < nMaxWidth
   
   Dim sBreakChars As String
   sBreakChars = " -" 'These are the characters to word-wrap on
   
   Dim i As Long
   Dim bFound As Boolean
   
   Do Until Len(sString) < nMaxWidth
   
      'Look for a word wrap character
      bFound = False
      For i = nMaxWidth To nMaxWidth - nMargin Step -1
         If InStr(1, sBreakChars, Mid(sString, i, 1)) > 0 Then
            'Found one, so just break out of the loop
            bFound = True
            Exit For
         End If
      Next
      
      'If no word wrap character was found, then just use the
      ' margin size
      If Not bFound Then
         i = nMaxWidth
      End If
      
      'If there's already a line, append a newline character
      If WrapString <> "" Then
         WrapString = WrapString & vbNewLine
      End If
      
      'And now add the next line, and chop it off of our work string
      WrapString = WrapString & Mid(sString, 1, i)
      sString = Mid(sString, i + 1)
      
      'Add the indention spaces if necessary
      If sString <> "" Then
         sString = Space(nIndent) & sString
      End If
   Loop
   
   'If there's still something left over,
   '  then add it to the final output
   If sString <> "" Then
      If WrapString <> "" Then
         WrapString = WrapString & vbNewLine
      End If
      WrapString = WrapString & sString
   End If

End Function

   Debug.Print WrapString("The quick red fox jumped over the lazy " & _
     "brown dog.  Now is the time for all good men to come to the " & _
     "aid of their country")