An apparatus for forming processed data includes a data storage device. Data storage device is connected to form engine. Form engine is connected to output device. Form engine formats processed data contained on data storage device in accordance with predetermined high level rules. In a preferred embodiment, predetermined high level rules use loose value trade-offs for formatting processed data. In a preferred embodiment, loose value trade-offs are selected from a group including: fit all data on one page; clearly defined text columns; bold face first line of new text; and shrink photos proportionally with text. In other preferred embodiment, sub level rules are added to loose value trade-offs.