11. A system for obtaining individual profile information from individuals, comprising: an individual profile database storing profile information for an individual; a network-based application linked to the individual by a network, wherein the network-based application is configured to perform, during an automated session with the individual, steps comprising: provide a first system utterance to the individual over the network associated with a line of questioning for obtaining the individual profile information; receive a first user utterance from the individual over the network; analyze characteristics of the first user utterance to yield an analysis based on a temperament, a timing, and a content of the first user utterance; detect a mood of the individual from a characteristic of the first user utterance to the first system utterance based on the analysis and determine whether the mood meets a termination criteria; when the mood meets the termination criteria, terminate the line of questioning, continue the session with the individual and defer the obtaining of the individual profile information to a subsequent automated session; and when the mood does not meet the termination criteria, performing steps comprising: providing a second system utterance to the individual based on the analysis of the temperament, the content, and the timing for the first user utterance, the second system utterance selected from a hierarchy of question options organized by question content, temperament criteria, and timing criteria; receiving a second user utterance in response to the second system utterance; determining whether the first user utterance addresses a first category of information in the individual profile database to yield a first determination; determining, in response to the first determination, a first set of profile information from the first user utterance; when the first user utterance is adequate and direct, storing the first set of profile information in the individual profile database, and determining if the second user utterance addresses a second category of information in the individual profile database to yield a second determination; determining, in response to the second determination, a second set of profile information from the second user utterance; and storing the second set of profile information in the individual profile database.
11. A system for obtaining individual profile information from individuals, comprising: an individual profile database storing profile information for an individual; a network-based application linked to the individual by a network, wherein the network-based application is configured to perform, during an automated session with the individual, steps comprising: provide a first system utterance to the individual over the network associated with a line of questioning for obtaining the individual profile information; receive a first user utterance from the individual over the network; analyze characteristics of the first user utterance to yield an analysis based on a temperament, a timing, and a content of the first user utterance; detect a mood of the individual from a characteristic of the first user utterance to the first system utterance based on the analysis and determine whether the mood meets a termination criteria; when the mood meets the termination criteria, terminate the line of questioning, continue the session with the individual and defer the obtaining of the individual profile information to a subsequent automated session; and when the mood does not meet the termination criteria, performing steps comprising: providing a second system utterance to the individual based on the analysis of the temperament, the content, and the timing for the first user utterance, the second system utterance selected from a hierarchy of question options organized by question content, temperament criteria, and timing criteria; receiving a second user utterance in response to the second system utterance; determining whether the first user utterance addresses a first category of information in the individual profile database to yield a first determination; determining, in response to the first determination, a first set of profile information from the first user utterance; when the first user utterance is adequate and direct, storing the first set of profile information in the individual profile database, and determining if the second user utterance addresses a second category of information in the individual profile database to yield a second determination; determining, in response to the second determination, a second set of profile information from the second user utterance; and storing the second set of profile information in the individual profile database. 12. The system of claim 11 , wherein the network comprises a public switched telephone network including a voice services node.