[kerrib]

The way I understood it was paper ready (at least as far as my agency goes) meant that my home study was done. I'm not sure if you can be paper ready before you sign with an agency because I was under the impression that every agency has their own way of wanting all of the home study documents done.

Again, this was just my experience so it may mean different things to different people. (I did accept my referral before my dossier was done and was still consdered paper ready.)