I am referring to the Mac application and your diagnosis makes sense, but this seriously limits the functionality of the digital signature. The document (which should appear as a filled out and signed form i.e. a W-2 when I'm done with it) will appear unsigned when opened in a browser, or in Preview or many other common methods of opening a .pdf. I suppose I could save it as .tif, then resave it as a pdf, but that's a minor hassle and some text degradation occurs.
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