(b) Contents of answer. The answer shall contain the following:
- (1) A specific admission or denial of each allegation in the complaint. If a respondent is without knowledge or information sufficient to form a belief as to the truth of an allegation, the respondent shall so state. Such statement shall have the effect of a denial. Allegations that are not denied shall be deemed to have been admitted.
- (2) A concise statement of the factual or legal defenses to each allegation of the complaint.