Assume 1st name is column A, and the comments are column D

(row 1) John | Smith | 4155551212 | Very good client, always pays on time
(row 2) Bill | Adams| 2125551212 | Do not call this client before 10:00AM

Can I insert or move the comments (column D) on to a separate row,
immediately below the original row? Result would look like this:

(row 1) John | Smith | 4155551212
Very good Client, always pays on time
(row 2) Bill | Adams| 2125551212
Do not call this client before 10:00AM

Or it would also be okay if it was like this:

(row 1) John | Smith | 4155551212
(row 2) Very good Client, always pays on time
(row 3) Bill | Adams| 2125551212
(row 4) Do not call this client before 10:00AM