ref:

• ozzo-validation/util_test.go

  Lines 253 to 255 in 34bd547

  	// struct
  	{"t9.1", s4, false},
  	{"t9.2", &s4, false},

• ozzo-validation/util.go

  Lines 119 to 124 in 34bd547

  	case reflect.Struct:
  	v, ok := value.(time.Time)
  	if ok && v.IsZero() {
  	return true
  	}
  	}

Do you need to treat specially time.Time?
I want all structs to be treated the same.