Never let anyone say that forms are easy. What seems like a boring, tedious topic on the surface is surprisingly deep and challenging. As evidence, the multi-billion-dollar plan to modernize the US census in 2010 has fallen back to paper technology. Sadly their plans didn’t involve XForms.
Highly-critical applications, like say voting, are even more difficult to get right. Possibly the government will get it in shape be 2020 or 2030. -m