I know that it says not to wait to submit the application until all materials are received, but which are those? Does this mean I just fill in my universities, employment, classes, etc. and submit? Do I need to make sure my references and observation hours have been verified first or do I just fill out the contacts and then submit? Also, are you able to change something after you submit, like if you want to change a reference? Just curious. Thank you to anyone who has any information on this!