Ajlan: My workflow was:
I MADE the form in MS word. So I have it in that form as well as in a general PDF (also made via MS Word - by simply saving it as a pdf). We can ignore this pdf though because it was just an aside that I mentioned that both the MS word version of the form, AND the standard PDF version gave the same error, and neither will import into form central so I can get it into a format that can be posted on-line as a fillable form (from my client's website).
I would send you the form via private message but I don't see how to attach it. I see the 'message' button on the upper right of your profile, but there is no attach function that I can see.
Thanks