A side comment; after rechecking after I submitted, the system seemed to chew up plus signs and ampersands. After I submitted and rechecked again, pretty much everything after an ampersand sign was erased, including the sign. I don't know if this is an issue.
Never mind, got it. sheesh that was something. My advice for the last minute submitters. Copy and paste to notepad and save without formatting, then CTRL C, CTRL V to the form.
Smart Quotes. And it's an issue in pretty much any web form... Go to Tools... | Autoformat | Autoformat As You Type, and turn off "replace straight quotes with smart quotes".