Table/Relationship basics' help

[kpec]

Basically, I have 3 tables (User, Institution and Module). (actually, it's
gonna grow a little bit bigger. I'll probably add a Problems table with
Problem/Solution date started/completed....(later..).

A user belongs to a single institution and can place many calls for the same
and/or different types of modules. I would like to create a form that I can
enter the User info but select the Institution from a dropdown/combo list
and the a module from a dropdow/combo list. Actually, I'd also like to get
the user info from a dropdown list and if that user isn't there, to add it.

Question 1.
Should the tables be:
A.
USER INSTITUTION MODULE
------- ---------------- ------------
PK UserID PK InstID PK ModuleID
UserFN InstN ModuleN
UserLN FK UserID FK UserID
UserPhone

or, the other way around: ( I have GREAT difficulty with this)
B. (I HAVE method B)
USER INSTITUTION MODULE
------- ---------------- ------------
PK UserID PK InstID PK ModuleID
UserFN InstN ModuleN
UserLN
UserPhone
FK InstID
FK ModuleID

Question 2.
It's easy enough to drag a FK to a PK (or viceversa- I'm still not sure on
that), but can someone tell me in plain ENGLISH what the "Join Type"s mean?
1. Only include rows where the joined fields from both tables are equal
2. Include ALL records from the 'Institution' and only thoses records from
the 'User Info' where the joined fields are equal
3. Include ALL records from the 'User Info' and only thoses records from the
'Institution' where the joined fields are equal

I don't get it, if I don't fill in user info and then select a module and an
institution, how do I fill a table with this data or how the join type will
work.

Tks