How To Avoid The Error "java.lang.NullPointerException at oracle.apps.ap.oie.server.ExpensesAMImpl.isRejected" When Creating Expense Report

GOAL : How does one avoid the error below when trying to create an expense report?

SOLUTION : 
Ensure that there is the following:

- At least one Expense Report Template enabled for Internet Expenses with at least one Expense Item defined.
- ICX_HR_PERSON_ID is defined for the User.
- MO: Operating Unit profile option is set to appropriate value at the Expenses Responsibility level.