I agree, mhoney, the documentation sucks big time. You are required to figure most things out on your own. Documentation doesn't tell you how to do much.
Mhoney, we had the same problem and the same solution. I had already posted the location you needed, the post right above yours
. It is in the customer dir, altough it looks like that dir is in a different dir between x-cart versions.
There are 3 things that are essentail that you need to be using when designing your store:
1) As gb2world said, webmastermode
2) firebug
3) And make sure your OS lets you search the text within tpl files too. I had to enable it on my Win7. That's another way to find stuff. You need to have a copy of your x-cart on your hard drive so you can search within all your tpl files.