I found the cause of the issue, maybe this will help others.
When I set the Fed-Ex test account up, I used my home address. When i tested for quotes, I used my home address. Fed-Ex obviously will not ship something to yourself
I wrongly thought because Open Cart Fed-Ex plugin sent the store zip/state/country that Fed-ex used that. Fed-Ex will use the address in the account.
The changes to outlined in this topic all worked. TY