[Kara]

figured it out:

{if $active_modules.Discount_Coupons ne "" and $userinfo.membership ne "Wholesale"}
{include file="modules/Discount_Coupons/add_coupon.tpl"}
{/if}

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Took me all day, but it works! Remember, this is in cart_totals.tpl where we moved the coupon code. -- not in cart.tpl where it normally is.