All of the Key People in my proposal have completed the certification questions, but KC is giving me a validation error of Disclosure Not Completed. If the certification answers are complete, then what does the error mean?

What this means is that one of the Key People who completed the proposal certification questions answered Yes to one or more of the Significant Financial Interest (SFI) screening questions (#10, 11, or 12). KC then requires the discloser to complete a proposal Conflict of Interest Disclosure, and the proposal cannot be routed until that action is complete. 

The way to check if this is the case with your proposal is to click on the COI Disclosure Status button in the Personnel section. If the status is Not Disclosed, then the disclosure is yet to be completed. Not until the status is Submitted for Review can the proposal route: