The array of checkboxes only contains the ones that were checked. So you have to assign them unique values to see which are in the array:
<?
if($REQUEST_METHOD == "POST") {
$count=count($add);
for ($i=0; $i<$count; $i++) { echo "<BR>add=".$url[$add[$i]]." ".$add[$i];}
} else {
echo "<FORM METHOD=POST ACTION=".$PHP_SELF.">
<INPUT TYPE=text name=url[] value=http://www.yahoo.com>
<INPUT TYPE=text name=description[] value=Yahoo>
<INPUT TYPE=checkbox name=add[] value=0 checked><BR>
<INPUT TYPE=text name=url[] value=http://www.google.com>
<INPUT TYPE=text name=description[] value=google>
<INPUT TYPE=checkbox name=add[] value=1 checked><BR>
<INPUT TYPE=text name=url[] value=http://www.av.com>
<INPUT TYPE=text name=description[] value=av>
<INPUT TYPE=checkbox name=add[] value=2 checked><BR>
<INPUT TYPE=submit NAME=submit VALUE=submit>
</FORM>";
}
?>