1. A method of distributing a personalized record over a network to a remote receiving device, the method comprising: providing network access to an associated receiving device and sensing a capability of the associated receiving device; receiving personal information of a person at a central computer sent from an electronic device interlaced to the central computer, the central computer comprising a processor and a database that stores tags or profiles for creating stock information for the user, wherein the processor; selects the stock information based on the tags or profiles; generates a script that transforms the stock information into a usable format having insertion points for combining the personal information with generic information in the stock information; formats the script into a personalized record by combining the personalized information at the insertion points in the script; optionally scales the formatted personalized record into a different media type based on the sensed capability; and transmits the media over the network to the receiving device; wherein a scalability of the formatted personalized record into the different media type allows the personalized record to be transmitted to the associated receiving device and enables the personalized record to be viewed on the receiving device.