Method and apparatus for performing a transaction

1. An apparatus that performs a transaction, comprising:

(a) a presentation mechanism configured to present in a single web page a parameter-request panel to a user at a client via a network, wherein the parameter-request panel includes a set of parameter-request fields;

(b) a receiving mechanism configured to receive through the network transaction parameters from the user at the client;

(c) the presentation mechanism further configured to present in the single web page a transaction-options panel to the user without obscuring the parameter-request panel, wherein the transaction-options panel includes a set of transaction options associated with the transaction parameters;

(d) the receiving mechanism further configured to receive from the user at the client through the network a transaction-option selection associated with the set of transaction options;

(e) the presentation mechanism further configured, in response to the receiving mechanism receiving the transaction-option selection, to present in the single web page a transaction-completion panel to the user without obscuring the parameter- request panel and the transaction-options panel, wherein the transaction-completion panel includes a set of transaction-completion fields associated with the transaction-option selection;

(f) the receiving mechanism further configured to receive through the network from the user at the client transaction-completion information.

2. The apparatus of claim 1 , wherein the receiving mechanism is configured to receive an initiate-application command from the user via the application server, and further comprising: an initiation mechanism configured to initiate the transaction application associated with the initiate-application command, wherein the initiation mechanism is further configured to:

(a) initiate an application back-end at the application server, wherein the application back-end performs server-side processing associated with the application;

(b) download to the client an application front-end, wherein the application front-end performs client-side processing associated with the application; and

(c) initiate the application front-end at the client.

3. The apparatus of claim 2 , wherein the initiation mechanism further comprises:

(a) a loading mechanism configured to load the parameter-request panel into a single web page, wherein the parameter-request panel is active;

(b) the loading mechanism further configured to load the transaction-options panel into the single web page, wherein the transaction-options panel is inactive;

(c) the loading mechanism further configured to load the set of parameter- request fields into the parameter-request panel; and

(d) a presentation mechanism configured to present the single web page to the user at the client.

4. The apparatus of claim 1 , wherein the presentation mechanism further comprises:

(a) a loading mechanism configured to load the set of transaction options into the transaction-options panel;

(b) the loading mechanism further configured to load data associated with each transaction option from the set of transaction options into the transaction-options panel; and

(c) a modification mechanism configured to make the transaction-options panel active without modifying the parameter-request panel.

5. The apparatus of claim 1 , further comprising a replacement mechanism configured to replace the set of transaction options included in the transaction- options panel with detail information associated with the transaction-option selection.

6. The apparatus of claim 5 , further comprising:

(a) the receiving mechanism further configured to receive a request to review the set of transaction options;

(b) a hiding mechanism configured to hide the transaction-completion panel;

(c) a restoring mechanism configured to restore the transaction-options panel to its original size, and (d) the replacement mechanism further configured to replace the detail information associated with the transaction-option selection with the set of transaction options.

7. The apparatus of claim 5 , further comprising an updating mechanism configured to update the detail information to include information associated with the transaction-completion information.

8. The apparatus of claim 1 , wherein the presentation mechanism is further configured to:

(a) reduce the size of the transaction-options panel from its original size to a reduced size;

(b) load the transaction-completion panel into the single web page; and

(c) make the transaction-completion panel active without modifying the parameter-request panel and without making additional modifications to the transaction- options panel.

9. The apparatus of claim 1 , further comprising a completion mechanism configured to complete the transaction, wherein the completion mechanism is further configured to:

(a) finalize the transaction;

(b) create confirmation documents; and

(c) send the confirmation documents to the user.

10. The apparatus of claim 1 , further comprising:

(a) the receiving mechanism further configured to receive new transaction parameters from the user;

(b) a modification mechanism configured to modify the set of transaction options to include a new set of transaction options associated with the new transaction parameters, and

(c) the modification mechanism further configured to modify the set of transaction-completion fields to include a new set of transaction-completion fields associated with the new set of transaction options.