I did not find anything useful in the error_log. I am hoping once I understand DrByte's instruction and start the test that hopefully it will reveal something. I compared the files on the server to the ones in my downloaded 1.5.1 (just like I did before upgrade) and I don't see anything strange like file missing or different (that shouldn't be different). It's definitely a mystery but at least I am glad it's not affecting customer's ability to checkout.
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