This sounds like it might have potential for applications
(employment or other) as well.
Workflow does seem like a nice base for this. The applications I
work with are extremely subject to branching and require a lot of
checking of the data and from what I have seen of workflow it is a
nice basis for that kind of system.
One of my requirements is that the system never redirect. So if you
finish page 1 and hit submit, the system will perform the required
checks and show either page 1 or page 2 depending on whether or not
you pass the required checks.
Another issue I run into is being sent an html file and having to
break it apart and make it into a dynamic application page so I see
the ability to easily template the system as important.