[AccessD] Insert Into with Null Fields

Sometimes when I write an INSERT INTO string, I have to take into account
that a text box or memo field might be null.  If there is one possibility of
a Null, I have to write and choose from 2 different strings, if there are
two possibilities of Null fields, then I have to write and choose from 4
different strings, and so on.

Is there a way out of this?

Thanks!
Dan