Hi Bruce,
On my local machine testing it works as expected
1. I go into Site Settings and enable Content Workflow
2. I created a user and added the user to the Content Authors role
3. I created a page and set Content Authors as a role that has draft edit permissions
4. I put an Html feature on the page
5. I use a different browser like Firefox and login as the new user, vist the page and edit the html content, save the draft.
Then when I view the page as the user in content authors role I see the toolbar and the button to submit for approval is the grey one with a checkmark
also at the bottom of the page I see the dropdown to toggle betwen the live view and the draft
However the placement of the dropdown may vary by skin
Hope that helps,
Joe