Thank you both so much for replying to my predicament.
The problem is now solved, i will explain where i went wrong just in case it helps someone else.
In the over writes file is states:-
FIND:
<div class="information"><?php echo TEXT_NEW_CUSTOMER_POST_INTRODUCTION_SPLIT; ?></div>
<?php echo zen_draw_form('create', zen_href_link(FILENAME_CREATE_ACCOUNT, 'action=process', 'SSL')); ?>
<div class="buttonRow forward"><?php echo zen_image_submit(BUTTON_IMAGE_CREATE_ACCOUNT, BUTTON_CREATE_ACCOUNT_ALT); ?></div>
AFTER, ADD:
<?php
if ($_SESSION['cart']->count_contents() > 0) { ?>
<br class="clearBoth" />
<hr id="catBoxDivider" />
<br class="clearBoth" />
<?php echo TEXT_RATHER_COWOA; ?>
<div class="buttonRow forward">
<?php echo "<a href=\"" . zen_href_link(FILENAME_NO_ACCOUNT, '', 'SSL') . "\">"; ?>
<?php echo zen_image_button(BUTTON_IMAGE_CONTINUE, BUTTON_CONTINUE_ALT); ?></a></div>
<?php } ?>
i did as requested to the letter and did not take into account the fieldset tag:-
<label class="inputLabel" for="login-password"><?php echo ENTRY_PASSWORD; ?></label>
<?php echo zen_draw_password_field('password', '', zen_set_field_length(TABLE_CUSTOMERS, 'customers_password') . ' id="login-password"'); ?>
<br class="clearBoth" />
</fieldset>
<?php
if ($_SESSION['cart']->count_contents() > 0) { ?>
<fieldset>
<legend>Checkout Without Account</legend>
<?php echo TEXT_RATHER_COWOA; ?>
<div class="buttonRow forward">
<?php echo "<a href=\"" . zen_href_link(FILENAME_NO_ACCOUNT, '', 'SSL') . "\">"; ?>
<?php echo zen_image_button(BUTTON_IMAGE_CONTINUE, BUTTON_CONTINUE_ALT); ?></a></div>
<br class="clearBoth" />
</fieldset>
<?php } ?>
the new piece of code has to be placed after </fieldset> and not after <br class="clearBoth" /> as stated.
Anyway problem sorted thanks to CJPinder who kindly pointed me in the right direction.
Cheers:clap: