Finally got it worked out with PayPal techies...
FYI: if try the above code and STILL don't get the continue shopping button enter the following new line of code (the middle line) in this exact place and it will work...has something to do with browser settings and adding this code will cause the continue shopping button to be force
populated regardless of your browser settings..

<input type="hidden" name="cmd" value="_cart">
<input type="hidden" name="shopping_url" value="http://www.YourDomain.com/products.html">
<input type="hidden" name="business" value="emailaddress">

make sure you put the page of your site (in this new code) that you want the continue button to send your customers to...

Thanks PayPal!!!