1. A method of analyzing skill level of a user solving formula-based multi-step problems, including the steps of: a) creating a test including at least one formula-based multi-step problem for which a correct answer to at least one step can be obtained by a calculation that uses an answer to at least one prior step; b) providing memory means for: i) storing said at least one problem; ii) storing formulas for at least one correct calculation, said at least one calculation involving one or more alternative said prior-step answers that may be graded as correct, said at least one calculation being undertaken by said user in attempting to arrive at said correct answer to said at least one step; iii) storing data to enable and facilitate assessment of correctness of submitted answers; and iv) storing data to enable assessment of said skill level; c) providing a computer program capable of grading said answers submitted by said user and storing said skill-level assessment data; d) providing a user interface with selective access to said memory means and said computer program; e) providing a global computer network with which said user interface can be connected to said memory means and said computer program; f) administering said test using said memory means, said computer program, said user interface and said global computer network, said administering step including the steps of: i) requiring said user to submit answers into said user interface, said submitted answers including at least one answer to said at least one step to solve said at least one problem; ii) grading said submitted answers, said grading including analysis of said submitted answers and analysis of calculations or processes employed in arriving at said submitted answers; and iii) from said analysis, storing data that can be used to assess said skill level.