Ok, looks like I got it working by adding that line of code.
Couple of things though...
Why wouldn't DataAssist Form builder, build the form correctly in the first place since I was building it from scratch on a blank page? That means I'll have the same issues to any forms I build in the future and any current forms that I edit.
Also, when I clear the require check box for a field, any field, it doesn't stay cleared when I re open to edit the form.
Also, there's no way to change a check box form 0,1 to Y,N any more. Nor do I see a way to make the check box initially checked.
I spent all day working on this simple form...