From what you have explained it sounds like you really need to sort out the web server and get access to at least ASP. I believe that without some sort of server-side scripting you will not be able to achieve your goals.
Ask a series of questions (combination of radio buttons and text fields) on a page.
I then want to hit a button that will then insert all the data supplied into several structured paragraphs on the screen. I can then cut and paste it into my client database at work...
Once the user answers the questions on the form and the results (structured paragraphs) are then displayed on THEIR screen how would you intend to see the results, unless you were to pass the results to a database, or send via email? Or do you intend to fill out the form for them on your computer while on the telephone or something?
Would be sooo much easier for you in the long-term to have access to use a server-side script.
Just my thoughts anyway.