I am new to the pay-by-refund but did not want to get "behind the times" with other competitors. I am completely confused at this point on if the information that is being put in is correct. There are no errors on the tax return itself but I do not see the "application" for them to sign.... Just the "keep for your records" page on the return. Is this the page they sign anywhere or there a step that I am missing to produce the pay-by-refund application?