When they click the PayPal button on the checkout page they are taken to the PayPal payment center and given the option to use their PP account or pay with a credit card. With this in place why is it necessary to have credit card information in the checkout form since they can select that option once they are in PP?
As far as the Instructions textarea field it doesn't matter where it is in the checkout flow as long as we can have that text captured and then add it to the emailed receipt when it goes out.