I finally figured out how to make fillable and saveable PDF forms without purchasing or using any server side products.
- Acrobat 9 PRO is required to MAKE the fillable/saveable form.
- To OPEN and SAVE ENTERED DATA, Acrobat READER 8 or higher is required...
In brief: Two "magical" properties need to be "enchanted" upon the PDF file. The PDF file needs to be made a) fillable b) saveable