Thanks for the help, I found the error.log file which led me to the php script, from there I could see how it loaded the form, discovered that I had the currency code wrong for paypal, it is CAD for Canada
Not sure if this is new but I was unable to find any API credentials for "sandbox" mode in my paypal account, just a switch that activates "test mode", so I left that on (for now) and turned off the cart settings that are for "sandbox" testing. Then it all came together and started working after I also discovered a missing 'period' at the end of my key, lol. Who puts a period at the end of a long key, omg, SO hard to miss, hah. I have not confirmed the operation of the "test mode" switch on the paypal side taking the place of 2 sets of API credentials? Cheers!