A while ago I asked for your opinions on what would be best for the toolbars. I am trying to pare them down to 1 row by default for the "Samantha's" of the world. We had a few design issues because the new IBM Productivity tools (Spreadsheet, presentation too, and Word Processor) have 2 rows by default, and that meant a "jumping" tab row.
So, here's my next idea: Move the tab row abover the toolbars, as shown below. Then any app can have as many rows of toolbars as they think appropriate for their specific application.