Jason, sorry not to confirm back that I got this working following your sugestions right away and ran into the next problem and forgot to update this thread.
I have to "switch horses mid stream" and run with PayPal. With everything working upto the confirm page, I am worried about running the Wizard and distroying all of the work so far. I am hopping that you or Ray can provide some direction on this. The site is live www.tugboatben.com with just the payment and shipping sections to be completed for our phase 1.
New thread opened Wednesday: