cffile upload error enctype cf7

Been years since I worked with cffile and all of a sudden the rust is all over me.Done this a hunred times before ... using CF7.

Tried using cfform and cfinput instead ... what simple oversight am I missing?

I am getting the error

Invalid content type: "application/x-www-form-urlencoded"

CFFILE action="upload" requires forms to use enctype="multipart/form-data"

Uploading a .pdf to a valid path

The form page looks simple enough

            <form action="" name="add_Inv" method="post" enctype="multipart/form-data">

                      <input class="pfs" type="File" name="agmt" size="20" maxlength="100"  > 

                <input type="button" value="Apply Hdr." onClick="aplHdr(this.form)" class="whatever">

     </form>

                <cfoutput><script language="javascript">
               
                        function aplHdr(form){
                                form.action='equipment_config.cfm?page=accounting&tab=invoices&mid=#url.mid#&header=#grpfwd#';
                                form.submit();
                        }

</script></cfoutput>

<cfif isdefined('form.agmt')>

                            <cfquery name="key" datasource="#datasource#">
                                    select key_code from member
                                    where member_id=#url.m#
                            </cfquery>
               
                            <cfoutput>    <cffile
                                                action = "upload"
                                                destination = "c:\inetpub\wwwroot\*******\coldfusion\agreements\#trim(key.key_code)#"
                                                fileField = "agmt"
                                                nameConflict = "makeUnique"
                                                accept="application/doc,application/octet-stream,application/pdf,.doc,.pdf,.tmp,.txt,text/plain,.html,application/msword, image/*"
                                                ></cfoutput>

</cfif>