It's been very useful reading these insights into the mysteries of the client/server relationship on filemaker. I disagree however, your poor user is most definitely losing work and it's not in her head! The server is of course saving work but this happens, generally, when users switch screens or records. This is my experience anyway. I've tested to the point of pulling ethernet cables out during the modification of records on a client machine and this does seem to be the case. I ended up adding a 'save' button on to my templates as our network got so bad for a while. The 'save' simply invisibly changed layouts but left the user in the same place as before.
Regards
Tom (London, UK)