I agree with all the previous comments that were made and would like to include one more issue.  The revised regulations state we should accept the application even if required fields are not filled out as long as they sign the bottom but at the top of the application, it states: "Starred (*) items are required. If you do not complete all of the items that are marked with *, your application may be denied."  These statements are contradictory.  Why make fields required when in actuality, they are not!