I'll clarify your concern with the Quotes or Estimates in QuickBooks Online (QBO), mwmurdy.

We appreciate your interest in having the Estimate or Quote functionality in QBO. We have recently introduced a new layout for estimates and invoices in QuickBooks that aims to assist you in securing projects, facilitating workflow, and improving payment speed. However, due to the limitations of the new interface, customizing the template to change the term "estimate" to "quote" is not currently feasible.

Furthermore, you have the alternative to revert to the previous layout by clicking it at the top. This way, allows you to make the desired modifications.

To customize your estimate and alter the form name, please adhere to the following instructions:

1. Go to the Gear icon ⚙ and then select Custom form styles.
2. Click the New style dropdown and choose Estimate.
   
3. From the Content section, tick the header section. 
4. Go to From names and modify it to Quote. 
5. Tap Done to save.
   

Once done, you can select the drop-down in the Action column and click Make default.

When printing the form, you'll now be able to see the changes.

I can see the importance of having this option for your business. With that, I suggest sending feedback to our product developers so they can review it and might consider adding this in our future updates.

1. Go to the Gear icon.
2. Under Profile, select Feedback.
3. Enter your suggestion.
4. Hit Next.
   

If you need more help customizing your sales forms to make them more professional, here's an article you can check out for a guide: Customize invoices, estimates, and sales receipts in QuickBooks Online. 

Additionally, to learn more about the new layout you can refer to this link: See what's new with estimates and invoices.

Do you have more questions about using templates or layouts? Or do you have any concerns regarding QuickBooks? Let me know, and I'll help you out.