Using Version 1.3.8a with my own custom template and overrides

I'm pretty Zen Savvy now and I searched every possible phrase in the forums, but I cannot find an answer. When a credit card is declined, the page returns to the Step 2 page, but because the statement "Your credit card was declined..." is so small and at the very top of the page, it's just not being seen.

So, I really want to do one of two things.

1) IDEALLY, I'd love for this DIV (if it is one) to appear somewhere in the middle of the page or perhaps right above the credit card fields. Can I do it? What file and line of code would I move or alter?

2) If that's not possible, how can I change this DIV to use a bigger, bolder font with a red or yellow background so it can't be missed. Again, can I do it? What file and line of code would I move or alter?

Thanks in advance for your help!