The user is, or will quickly be, very familiar with the forms. The forms have been the same for decades, some users have even been using them that long. They occasionally need to jump around the form to reference other data so tabs and wizards slow them down.

Also, the forms are filled out differently based on customer defined rules which vary widely and change frequently, especially around qualitative questions. For large, long-term projects, the final form is hidden, qualitative questions are turned into multiple quantitative questions and mapped to the final answer so the user doesn't have to constantly think about the custom rules. But for small projects, it's too much development work and the user is expected to follow the rules manually.