The answer shall contain:
(a) A specific admission or denial, and where appropriate,
explanation thereof; or if the respondent is without knowledge of
the allegation, he shall so state and such statement shall operate
as a denial. Admissions or denials may be to all or part of an allegation
but shall be responsive to the substance of the allegation;
(b) A specified, detailed statement of any affirmative
defense;
(c) A clear and concise statement of
the facts and matters of law relied upon constituting the grounds
of defense.
Any allegation of the charge not denied in the answer
may be deemed admitted and may be so found by the panel.
