I am not quite sure what this does.
<cfset User.ZeroBDK = FORM.ZeroBDK is "YES">
Is this short hand for
<cfset User.ZeroBDK = false>
<cfif FORM.ZeroBDK EQ "Yes">
<cfset User.ZeroBDK = true>
</cfif>
Are there other truthy things that get set to true?