1. A system for guiding a user through a complex process having a plurality of steps at each of which the user is required to make a decision, the system comprising: a logical structure for representing the steps of the process, each node of the structure representing a step in the process and one or more of the steps presenting alternatives to the user requiring the user to make a decision; one or more guidance pages attached to each node of the structure, the guidance pages providing the user of the system with guidance about how to make decision at the current step of the process; means for gathering the user responses to each step in the process to generate process information; and means for recommending an action to the user based on the process information.