Step 21, it should look like the picture shown. Make sure it is detached with Reset XForm located under the modifier tab with the hammer on it. Select object and press Reset XForm button. Then collapse your modifier stack.
Step 17, After the extrusion I Detached. Once I did that I went to the far right modifier tab with the hammer and I hit reset XForm. I then collapsed the modifier stack to erase history. Select the edges and Connect option box. Add lots of subdivisions.
Step 6, If not already line up the line with the Banana tree base. I added a Path Deform Binding (WSM) World Space Modifier to the Leaf. I do not know how many times I have done this but don't add just a Path Deform to it in the Modifier Stack. It wont work. Heads up.
The second part I added more divisions for somewhat even quads by adding an Edit Poly modifier on it. Chose top verts, used soft selection and pushed the fall off till it reach the bottom of base. Scaled on X and Y to create base stock of banana tree.