1. A computer system managing how risk allocation products are presented to an end user, comprising: an administrative computer workstation programmed with an administrative software application managing information displayed on an end user interface, wherein the administrative software application includes a graphical interface for receiving administrative user input selection of a risk allocation product for displaying and configuring parameters; or product components, wherein the product components include a question component, a valid response component, and a disabled question component; wherein the parameters describe a relationship between a product and a product property, between different products, or between product properties of different products; or comprise information about which components are to be loaded or executed, when said components should be loaded or executed, and how said components should be displayed to an end user; a database external to the administrative computer workstation storing the plurality of product components and the parameters that are defined and stored externally from the end user interface, and can be revised or removed without rewriting the end user interface software application; wherein one or more of the externally stored product components and parameters are loaded into the end user interface without rewriting the end user interface software application; wherein one or more of the components are automatically disabled based on input received from an end user; wherein components that are disabled are stored as external data, and wherein the graphical interface for receiving the administrative user input selection displays: the question component displaying a plurality of questions, the question component also displaying a button to add a new question, a button to modify any of the plurality of questions, and a button to remove any of the plurality of questions; the valid response component displaying a plurality of response choices to a selected question in the question component, the valid response component also displaying a button to add a new response choice to the selected question, a button to modify any of the plurality of response choices to the selected question, and a button to remove any of the plurality of response choices to the selected question; and the disabled question component displaying at least one question disabled as a result of selecting one of the plurality of response choices to the question selected in the question component, the disabled question component also displaying a button to add a new question disabled by the selected response choice, and a button to delete an existing question disabled by the selected response choice.