That was the problem. I copied the other 4 files into my template folder and it appears to be working. Someone ought to change the option A installation instructions to show the additional 4 files that need to be downloaded to your template folder. I am not sure about option B because it say to copy the those 4 files to the directory but not the other 2 and then gives you manual instructions on how to change the 4 files. The readme file ought to be updated as well to reflect that you do not want the radio button to appear during checkout and explain the way google checkout works. I did not find anything in the documentation that say you should not have the radio button. Logically most people would think that is how it should work. GC is an alternative checkout not part of the ZC checkout. Hope this might help others who fall into the same trap.