Please review your billing information and approve it

PLEASE help me before I pull out my hair!  I have a photo book I've created in iPhoto 09.  It's ready to be ordered (in-time for Christmas!) and no matter what I do, it comes back with a "please review your billing information and approve it".  There are two things in this repeated (at least 20 times) process that I find interesting 1) every time I re-enter my account info, it says I have an invalid city, state zip code combination and 2) when I try to check out my preferences in iPhoto it freezes up (spinning beach ball) and I have to force quit.  Here's what I've done already:
1. restarted iPhoto
2.  restarted computer
3.  re-entered billing information in apple store
4.  enabled one-click purchasing and express checkout options in apple store
5.  trashed iPhoto preferences
6.  deleted my keychain preferences
7.  re-entered account info in iPhoto
8.  double-checked that I choose United State
9.  Changed credit cards and tried all the above over again
I'm out of ideas.  Someone PLEASE help me figure out what is going on!

every time I re-enter my account info, it says I have an invalid city, state zip code combination
The zip code error suggests you are ordering from an Apple Print Products Store in the wrong country.  Your Billing Address, Shipping Address, Credit Card, Apple ID must all be valid in the same country as the Apple Store is you are ordering from. Is the region setting in your System Preferences > Language & Region the same as the country of your Billing Address and Shipping Address?

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