(b) In the answer, the respondent:
- (1) Shall admit or deny each of the allegations of liability made in the complaint; allegations not specifically denied in an answer are deemed admitted;
- (2) Shall state all defenses on which the respondent intends to rely;
- (3) Shall state all reasons why the respondent contends that the penalties and assessments should be less than the requested amount; and
- (4) Shall state the name, address, and telephone number of the respondent's counsel, if any.