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Non Script solutions for Smart Tabbing for <a> blocks and Form fields?

When user hits TAB on submit button, it immediately goes to the next <a href> or link. FOr example, hitting Tab on Submit button goes to selector Terms and Conditions Link.

I must get TAB on ‘Submit button’ to STOP Tab or cycle back to Top of Form (First Name).
I tried misc script solutions and it works… sometimes, only on certain pages.

What is fastest way to configure Tab logic on form/checkout pages?