I noticed on the shipping quote settings page in the quote settings block there is an N/A which is not listed with the rest of the bullet points. Its still a bullet point but indented further and has a bigger vertically space, Pasted below, hope it displays as it does on my screen. Could this have something to do with my problem?

* Quote errors are not submitted to watchdog.
* Debugging information is not displayed to administrators when quotes are generated.
* Customers cannot complete checkout without selecting a shipping quote.
* Shipping quote pane description:
* Default pickup address is:

, N/A