vatel,

After stepping back from this for a bit, I think you and others are correct about the proper placement of the COWOA option. It's a pretty simple matter and I'll go ahead and hit it this weekend.

As for your other suggestion, I think it's reasonable. Although, one thing to keep in mind is that it's only 4 steps, really. There's this "Your Done" 5th step to keep the customer from think they're done once they reach step 4.

At any rate, I don't think I'll be implementing a reduction in steps. I've posted my thoughts on the matter before. But, I do encourage people to customize this however they like and to share the results. I could even link them from the wiki, to provide a bit of centralization.

Sorry I can't address all of your issues. I will, however, move the COWOA box on split-login checkout this weekend. This should be a simple template replacement for those who already have it installed. If you've got too much customization for a template replacement let me know and I'll provide instructions.

--Joe