A system and method for client/server communications, the method including the steps of loading to a client browser a frame set including a function frame and a content frame; loading application code to the function frame; and responsive to user interaction with the content frame, executing the application code. The frame set may also include navigation frame and a data accumulation frame. By using the frame set to store executable application code, collect and store data, and interact with a user, an application may be executed at a client browser substantially without client/server interaction beyond initializing the frames and communicating the end results.