OK, now about step 8....
What!?
I'm in shell and changed to my xpayments directory
When I run
php regen-codebook.php -run
it says SAPI is NOT
CLIpaperwhi@paperwhimsy.com
If I be run php regen-codebook.php lib/XPay/Model/Codebook.prev.php -run
I get the same error
I should mention that the folder doesn't have a codebook.prev.php file, but does have a codebook.php file
How is any non technical person supposed to understand any of this?