Eric- I know those are old instructions..
http://ericrohloff.com/coffeecup/ccforum/formbuilder/payment_forms/runningtotal/
But the two things I would add are:
For the payment total div on the html, I'd manually add
readonly="readonly"
and
in form builder I'd tell folks to make sure they had 2 decimal points under properties for the total field.
This seems to be what was hanging my form. Because for the total form field under properties I was using "none" for payments, it did not auto select 2 decimal points. (and I don't use pennies in pricing

)
Here's the form (hidden from public while in beta)
http://balletchildren.com/reg_test/test.php
Been using Form Builder for their registration for years and keep tweaking it. Notice the admin/verify radio button.
The form generates an additional spreadsheet column that is used to indicate payment processed, so using a radio button with only one selection already selected does this. I'm sure there are more elegant & hidden ways to accomplish this...