Help with validating a new instance

I am having problems validating an new instance of a document.  Has to be
something I am missing.  Can anyone help?

            // Set options for new instance
            XmlOptions opts = new XmlOptions();
            opts = opts.setDocumentType ( CustomerDocument.type );
            opts = opts.setDocumentSourceName("customer");
            ArrayList errorList = new ArrayList();
            opts = opts.setErrorListener(errorList);

            xmlRoot = XmlObject.Factory.newInstance( opts );

            if (! xmlRoot.validate( opts )) {
               ...
            
The error I get from validation is
"Expected element customer at the end of the content"
location = "<xml-fragment/>

I have added the customer element before validating but then get errors that
sub-elements are missing.  I put this code before validation

            XmlCursor cursor = xmlRoot.newCursor();
            cursor.toEndDoc();
            QName q = new QName (null, "customer");
            cursor.insertElement( q );

How far do I have to go before successful validation and how do I get rid of
<xml-fragment>?  Must be missing something...


Thanks,
-- Brian