Figured it out. I wanted to use paypal and the three choices were confusing:
Paypal and credit cards
SO, the solution was to use the middle choice Credit Cards that then provides the missing window I was not seeing. I humbly suggest that those three buttons, choices, in the wizard are renamed somehow so folks are not making a choice between Paypal and No Paypal.
At any rate, I have a functioning cart now. Thanks!