From looking at the code - it seems that eveything's good. I have a few
ideas - but they could be the jus tresult of trying to piece together the
fragments of code...

* is the AttachDropdowns function executing? i didn't notice any
event-wiring code to tell it to run (like Handles Repeater1.ItemDataBound)
* are your drop  downs declared locally in the code-behind? like:
protected DD_InsurPayAction as DropDownList
the reason i ask is that i noticed the command:
Dim InusurDD As DropDownList =
e.Item.FindControl("DD_InsurPayAction")
in AttachDropdowns() and didn't know why you'd reference
DD_InsurPayAction in that way (although in other functions i see you
reference it directly as a class member)

If both of these are working - then which line is it that's throwing the
error?