Thank you Cristian. The contact alone is encouraging.
So, I think I understand now that the example is using the Pro form with PayPal Pro:
http://www.s2member.com/kb/pro-forms/
Well, there are some other issues -- my form was configured with only accept="paypal" but the button was not a paypal button (no image style) and when I used the free version, I got a styled PayPal button and it took me to paypal (all good but no account created only changes made, and no follow up email)
I will post back if I find a resolution.
Regards,
Hank Ratzesberger