XML-22008: (Error) Namespace prefix ‘ref’ used but not declared
By Default MSWord user form field help text as <?ref:xdo00003?> and when we configrute this rtf file in Oracle EBS. so it generate error or Dont show proper format. So need to change this text <?ref:xdo00003?> to it's data tag.
Solution:
choose tab "Build" and select radio button "Backward compatible" then re-create fields.
after this setting ms word will add <?ColumnTag?> instead of <?ref:xdo000x?>.