* initial spec file refactor
remove create for build, extract form to own variable, remove non-valuable tests
run time from 0.29s to0.11s
* refactor to ensure that the questions ownershipsch instance variable and the value of ownershipsch on the log is the same in tests
* delete page test file which is not testing anything meaningful
* add error messages to the I18n yml
* update tests for the validations
* update validation logic
* update tests for the mortgage used question
* update the mortgage used question displayed answer options
* update bulk upload specs to reflect error message updates
* make use of brackets consistent within validation method