Many customizations including:

Increasing max zip length from 5 to 6

Increasing Max CC Exp Year from +6 to +9 years

Added 2 countries

Dont add the middle initial if it was not passed

Changed Phone Regex to US or International (1234567890 or +1.1234567890)

I'm using HTML over XHTML so changed the one end bracket from /> to >

Don't set a component value if it doesnt exist

Minor other personal changes.