Have you filled in all the *required* fields?
Almost Done. The next section will offer payment links to PayPal.
On the next page, the Annual Membership fee should already appear as "1" in the shopping cart at upper right. Please click on the NEXT arrow to continue with payment.
On the next page, you will see a yellow PayPal button and a black credit/debit card button. If you don't wish to use PayPal, click on the black button.
After that, you'll see a page like the image below. The "Pay Later" option will prompt you to create a PayPal account. If you click the "Pay Now" button on the left, you'll continue without having to do that.

After filling in your payment information, you will be invited to "Save info and create your PayPal account", as shown below. You can make sure the toggle is not activated and proceed to the "Pay Now" button near the bottom of the page. Below that you'll see a prompt to "Log In" -- that's only for PayPal account holders. If you have filled in your own payment information, you can simply click on "Pay Now".

There is no need to Log In or create a PayPal account.
Once your completed Application is sent, you'll receive an e-mail confirmation that will include your completed form.