I discovered that it wasn't the analysis tool pak that caused the problem.
By debugging the project  on the user's machine, I find  it fails on:

datInitDate.Value = Format(Date, "mm-dd-yyyy")
datComplDate.Value = Format(Date + 90, "mm-dd-yyyy")

Format class (method?) works great on my machine, but not on user's--this is
apparently a VB 6.0 function, which explains why I couldn't find it in the
VBA Object Browser.

so now I'm back to:

datInitDate.Value = Date$
(displays as 01-06-2005)
datComplDate.Value = DateAdd("d", 90, datInitDate.Value) (displays
as 4/6/2005)

Which is what prompted me to try to find a cure (slashes vs dashes in 2
dates on same form)

I see a class VbDateTimeFormat listed in VBA Object Browser, but this method
provides 4 preconfigured selections (long, short, and the default general)
which don't seem to apply. Or do I wrap both dates in this and that will
"fix" the slash-n-dash issue.

Or is there a way to enable VB commands on users' machines?