1. A learned routing electronic form generation system comprising: a computer coupled to each of one or more visual displays, wherein the computer generates one or more learned routing electronic forms, wherein each learned routing form includes: a plurality of visual elements comprising text or data fields and graphical elements for receiving user data input; and a plurality of non-visual programmatic elements that are linked to the plurality of visual elements to process the received user data input, wherein the computer processes the received user data to automatically change the plurality of visual elements or the plurality of non-visual programmatic elements in response to the received user data, the plurality of non-visual programmatic elements further including elements to populate a heuristically generated routing selection list based on a history of previous routing transaction; and a second computer, wherein the server-side application processes user data to change both the visual and non-visual elements within each electronic form, without server interaction.