Thanks for the feedback.  This makes sense now.  Although, I had done some searching and found quite a few posts regarding changing "Estimate" to "Quote" which the old templates appeared to support.   I cannot find a way to effectively do this in the new layout.   Am I missing something or is this not possible?   If it is not possible, is it on the roadmap to improve?   Seems like it was a pretty common request.  

Thanks.