What should I be doing to get SQLFetchScroll() working (at all) with
MS Access?

When I specify SQL_CUR_USE_IF_NEEDED then attempting to set
SQL_SCROLLABLE results in an "optional feature not implemented" error.

rc = SQLSetConnectAttr(hdbc, SQL_ATTR_ODBC_CURSORS,
SQL_CUR_USE_IF_NEEDED,
0);
// *** This fails *** //
rc = SQLSetStmtAttr(hstmt, SQL_ATTR_CURSOR_SCROLLABLE,
SQL_SCROLLABLE, 0);

When I specify SQL_CUR_USE_ODBC then attempting to set SQL_SCROLLABLE
succeeds - but I dont want to use the cursor library unconditionally
'cos some installations do native scrolling.