18. The apparatus of claim 17 wherein the advertisement engine identifies the advertisement on the basis of at least one of the following: the identity of the client making the recommendation; the first or second step in the workflow; a count of the number of times the identified advertisement has been served; or a rating given to the identified advertisement by a plurality of clients.
17. An apparatus serially providing a plurality of web pages comprising a workflow, the web pages including targeted advertisements recommended by users of the workflow, the apparatus comprising: a receiver in communication with, via a network, a user completing a workflow via a client, the receiver receiving from the client information corresponding to a first or second step in the workflow and an advertiser recommended by the user in connection with the first or second step in the workflow; an advertisement engine in communication with the receiver, the engine identifying an advertisement corresponding to the recommended advertiser; a markup language page generator in communication with the advertisement engine, the markup language page generator creating a page corresponding to the first or second step in the workflow and including the identified advertisement; and a transmitter in communication with the markup language page generator and, via the network, the client, the transmitter sending to the client the created page.