I've gotten rid of step 3 (it was superflous) and the step 4 heading (also superflous and a bit confusing with step 3 heading gone).
Now I would like to place true labels in front of all the fields I can rather than relying on the placeholders you guys are using in place of some labels.
But after looking and looking I can't find the place in the code (among all the Twiggly stuff) where the existent labels for 'Name' and 'Address' are so that I can figure out from how those are done how to put in the rest of the labels I want present.
Could someone please give me a hint or two as to where the labels are in the templates? I mean the checkout.inc.twig template and perhaps the cart.inc.twig template? I just need a line number and I can go from there.
Incidentally...I would highly recommend that the checkout NOT use placeholder text in place of true labels.
Here is more on that if you are interested in why...