First, THANK YOU for having a forum section dedicated to usability in the first place!
The CB forms should use label tags in every applicable instance.
By explicitly attaching a LABEL tag to an INPUT field (or any form field) we clarify what information is being requested from the user. Non-visual browsers read the LABEL tag for the associated INPUT field regardless if the two tags are adjacent to each other in the source code. This is good.
When a LABEL tag is set properly users can click the LABEL text to select a form element. This increases the "hot" clickable area of all form fields (INPUT, RADIO, CHECKBOX, etc..) thus making them easier to use.