got it - perfect thanks
on the same ecart installation, the checkout.php page (which i havent changed from the intial wizard run) is erroring and if you view source the error is
<input id="Company_Name" name="Company_Name" type="text" value="<br />
<b>Fatal error</b>: Call to undefined function WA_coalesce() in <b>/home/natashrb/public_html/checkout.php</b> on line <b>34</b><br />
why would that have been created like that in the wizard?