SUBLEASE


                  AGREEMENT OF SUBLEASE ("Sublease"),  made as of the 6th day of
October, 1999, by and between QueryObject Systems Corporation, formerly known as
CrossZ Software Corporation,  a Delaware corporation (hereinafter referred to as
"Sublessor"), having an office at 60 Charles Lindbergh Blvd, Uniondale, NY 11553
and Progressive  Casualty  Insurance Company,  an Ohio corporation  (hereinafter
referred  to as  "Sublessee"),  having an  address at 300 North  Commons  Blvd.,
Mayfield Village, Ohio, 44143.

                              W I T N E S S E T H:


                  WHEREAS,  pursuant to a certain  lease dated as of October 27,
1994 ("Lease"), by and between Reckson Associates, as landlord ("Landlord"), and
Cross/Z  International,  Inc., as tenant,  Landlord leased to Sublessor  certain
space  (the  "Demised  Premises")  in the  building  ("Building")  located at 60
Charles Lindbergh Boulevard, Uniondale, NY; and

                  WHEREAS,  Sublessor  desires  to  sublease  to  Sublessee  and
Sublessee  desires to sublet from  Sublessor the Demised  Premises which is more
particularly  set forth on Exhibit A which is  annexed  hereto  (the  "Subleased
Premises"),  and Sublessee desires to take and hire the Subleased  Premises from
Sublessor;

                  NOW,  THEREFORE,  in  consideration of the premises and of the
mutual covenants hereinafter set forth, the parties hereto agree as follows:

                  1. Lease.  Sublessee hereby acknowledges  receipt of a copy of
the  Lease,  a copy of which is  annexed  hereto  as  Exhibit  B. The  terms and
conditions  of the Lease are  incorporated  by reference  into this Sublease and
made a part hereof (except for sections 2, 3, 5, 10, 16, 17, 28, 29, 30, 31, 34,
40, Schedule A and Exhibit 2) as if herein set forth at length.  Sublessor being
substituted  for "Landlord"  under the Lease,  Sublessee  being  substituted for
"Tenant"  under the Lease  and  Subleased  Premises  being  substituted  for the
"Demised Premises"  or "Premises"  under the Lease except that where the context
so  requires  references  to  Landlord  shall be  deemed  to  refer  to  Reckson
Associates,  its successors  and assigns.  Notwithstanding  the  foregoing,  any
inconsistencies  between  the terms of this  Sublease  and the Lease which shall
result  from the  foregoing  incorporation  shall be  resolved  in favor of this
Sublease;  provided,  however,  that if such  construction  of terms would cause
Sublessor to be in default under the terms of the Lease, then such inconsistency
shall be resolved in favor of the Lease.  To the extent that the  definitions of
the Lease  incorporated by reference herein differ from or are inconsistent with
the  definitions  contained in this Sublease,  the definitions set forth in this
Sublease shall prevail.

                  2. Demise and Term.  (A) Sublessor  hereby leases to Sublessee
and  Sublessee  hereby takes and hires from  Sublessor  the  Subleased  Premises
containing a total of 16,385  rentable  square  feet,  for the term and upon the
terms and conditions  set forth herein,  subject to the provisions of Article 20
of the Lease, including the written consent of the Landlord to this Sublease and
to the use of the  Subleased  Premises  pursuant  to the  terms  thereof  hereof
("Consent to  Sublease"),  and subject to  Sublessor's  compliance  with Article
20(B) of the Lease.  (B) The term  ("Term") of this Sublease  shall  commence on
October  15,  1999  or  sooner  upon



<PAGE>

the mutual agreement of the parties  ("Commencement  Date"), except as otherwise
provided herein, and end on December 30, 2004 ("Expiration Date"), unless sooner
terminated  pursuant to the provisions of this Sublease or the Lease.  Sublessor
warrants and represents that the term of the Lease extends beyond the Expiration
Date.  Notwithstanding  the  foregoing,  Sublessee  shall  not have the right to
possession of the Subleased  Premises  until (i) Landlord has signed the Consent
to  Sublease,  (ii)  Sublessor  has  received  the  Security  in the full amount
required under Section 24 of this Sublease and (iii)  Sublessor has received the
first installment of monthly Fixed Rent payable pursuant to Article 3(A) of this
sublease.

                  3. Rent.  The rents reserved under this Sublease for the Term,
shall be and consist of:

                     (A) "Fixed Rent" in the amount of

                         (i) three hundred  fifteen  thousand four hundred eight
($315,408) per annum,  for the period  beginning on November 1, 1999 through and
including October 31, 2000, payable in equal monthly  installments of twenty-six
thousand  two  hundred  eighty-four   dollars  ($26,284).   Notwithstanding  the
foregoing,  provided  that  Sublessee is in  compliance  with the terms  hereof,
Sublessor  shall waive,  and  Sublessee  shall not be required to pay, the first
three and one-half (3 1/2) installments of the Fixed Rent due as per the above.

                         (ii) three hundred twenty-eight thousand twenty dollars
($328,020) per annum,  for the period  beginning on November 1, 2000 through and
including   October  31,  2001,   payable  in  equal  monthly   installments  of
twenty-seven thousand three hundred thirty-five dollars ($27,335).

                         (iii)  three  hundred  forty-one  thousand  one hundred
thirty-six dollars ($341,136) per annum, for the period beginning on November 1,
2001  through  and  including  October  31,  2002,   payable  in  equal  monthly
installments  of  twenty-eight   thousand  four  hundred   twenty-eight  dollars
($28,428).

                         (iv) three hundred  fifty-four  thousand  seven hundred
thirty-five  dollars and 24/100 cents  ($354,735.24)  per annum,  for the period
beginning on November 1, 2002 through and including October 31, 2003, payable in
equal  monthly  installments  of  twenty-nine  thousand  five hundred  sixty-one
dollars and 27/100 cents ($29,561.27).

                         (v) three  hundred  sixty-eight  thousand  nine hundred
eighty-eight  dollars ($368,988) per annum, for the period beginning on November
1, 2003  through  and  including  October  31,  2004,  payable in equal  monthly
installments of thirty thousand seven hundred forty-nine dollars ($30,749).

                         (vi)  Sixty-three   thousand  nine  hundred   fifty-six
dollars  ($63,956),  for the period  beginning  on November 1, 2004  through and
including December 30, 2004, payable in equal monthly installments of thirty-one
thousand nine hundred seventy-eight dollars ($31,978).

                     (B) "Additional Rent"  consisting of all such other sums of
money as shall become due from, and payable by, Sublessee to Sublessor hereunder
including  but not limited to


                                       2
<PAGE>

sums payable by  Sublessor to Landlord  pursuant to Article 11 ("Taxes and Other
Charges"),  of the Lease (for default in payment of which  Sublessor  shall have
the same  remedies as for default in payment of Fixed  Rent);  all to be paid to
Sublessor at its address hereunder  referred to, or such other place, or to such
agent and at such place,  as Sublessor may designate by notice to Sublessee,  in
lawful  money of the United  States of America.  The term  "rent",  "rents"  and
"rental,"  as used herein,  shall include Fixed Rent and  Additional  Rent.  For
purposes of this Sublease  Sublessee's Base Year Taxes shall be 2000 for General
Taxes and 1999/2000 for School Taxes.

                  4.  Payment  of  Additional  Rent.  Sublessee  shall  make all
payments of Additional Rent required to be made pursuant to this Sublease within
thirty (30) business days after Sublessor  furnishes  Sublessee with a statement
of the amount payable by Sublessee to Sublessor.  Sublessee shall have the right
to  reasonably  request  from  Sublessor  copies  of any  applicable  Landlord's
statement received by Sublessor,  and Sublessor shall furnish same upon request,
but same shall not affect Sublessee's  obligations to make the required payments
hereunder.  In the event that any items payable by Sublessor under the Lease, in
respect  of  which  Sublessor  shall  have  received   payments  from  Sublessee
hereunder,  are subject to  adjustment by Landlord at the end of a year or other
period pursuant to the terms thereof, then (a) if there has been a corresponding
underpayment  in  the  payments  made  by  Sublessee,  Sublessee  shall  pay  to
Sublessor,  no later than ten (10) days after Sublessor furnishes to Sublessee a
copy of the statement  received by Sublessor from  Landlord,  an amount equal to
such underpayment; or (b) if there has been an overpayment in such payments made
by Sublessee, Sublessor shall credit against the next payment of Additional Rent
coming due  hereunder  an amount  equal to such  overpayment,  except that if no
further payments of Additional Rent shall be due hereunder, then Sublessor shall
refund such amount to Sublessee  within ten (10) days. The obligation to pay any
amount payable by Sublessee,  or to Sublessee as provided for in the immediately
preceding sentence, shall survive the end of the term of this Sublease and shall
be payable by Sublessee, or to Sublessee, as the case may be, in the same manner
as if the Term of this Sublease had not expired or terminated.

                  5. Acceptance of Subleased  Premises.  Sublessee has inspected
the Subleased  Premises and Sublessee agrees to accept the Subleased Premises on
the Commencement Date in the condition in which the Subleased Premises exists on
the  Commencement  Date, "as is", and further agrees that neither  Sublessor nor
Landlord  shall have any  obligation to perform any work,  supply any materials,
incur any expenses or make any installations,  in order to prepare the Subleased
Premises for Sublessee's occupancy.

                  6. Performance of Covenants in the Lease.  Except as expressly
set forth herein, during the Term of this Sublease,  Sublessee shall observe and
perform all of the terms, covenants, conditions, and agreements contained in the
Lease to be  performed  and  observed  on the part of  Sublessor,  as the tenant
thereunder,  insofar as same pertain to the Subleased Premises,  and all of such
terms, covenants,  conditions and agreements are imposed upon Sublessee, whether
or not specifically set forth or referred to herein, Sublessor being substituted
for "Landlord"  under the Lease,  Sublessee being substituted for "Tenant" under
the  Lease  and the  Subleased  Premises  being  substituted  for  the  "Demised
Premises" or "Premises" under the Lease, provided, however, that Sublessor shall
not be  liable  for any  defaults  by the  Landlord  under  the  Lease nor shall
Sublessee  be liable for any  defaults of  Sublessor  as Tenant under the Lease.


                                       3
<PAGE>
Sublessee  hereby  agrees  (i) to refrain  from doing or causing to be done,  or
suffering  or  permitting  any  thing or act to be done  (except  for any act or
omission of Sublessor, its officers,  directors,  employees,  agents, guests and
invitees),  which  constitutes a default under the Lease or causes the Lease, to
be canceled, terminated,  forfeited or surrendered, or which makes Sublessor, as
tenant  under the Lease,  liable for any  damages,  claims or penalty,  and (ii)
except  as to  those  due to the  negligence  or  willful  act  or  omission  of
Sublessor,  to indemnify and hold Sublessor harmless against any loss or expense
suffered by Sublessor by reason of  Sublessee's  failure to perform  Sublessee's
obligation  sunder this Sublease.  Sublessor  hereby agrees (i) that it will not
take,  or omit to take,  any  action  which  will have the  effect of  causing a
default under the Lease, or of causing a substantial  interruption in any of the
services  provided by Landlord to the Subleased  Premises  under the Lease,  and
(ii) to  indemnify  and hold  Sublessee  harmless  against  any loss or  expense
suffered  by  Sublessee  by  reason  of  Sublessor's   failure  to  perform  its
obligations  under this  Sublease and under the Lease (except where such loss or
expense is due to a default caused by Sublessee under this  Sublease).  Provided
Sublessee  is not in  default  under  this  Sublease  beyond  the  giving of any
required notice and the expiration of any grace period,  Sublessor agrees not to
cancel or surrender  voluntarily the Lease as it affects the Subleased Premises,
without the prior written  consent of Sublessee.  If the Lease is terminated for
any reason  whatsoever,  whether by operation of law or otherwise,  except where
due to default of Sublessor  (other than a default of Sublessor  under the Lease
caused by Sublessee under this  Sublease),  Sublessor shall not be liable in any
manner  whatsoever for such  termination.  Sublessor  shall promptly  forward to
Sublessee any default or  termination  notice with respect to the Lease received
by Sublessor from Landlord and this Sublease shall terminate in the event of any
such  termination of the Lease.  This Sublease is subject and subordinate in all
respect  to the Lease and to the  matters  to which  the  Lease is  subject  and
subordinate.   This   Sublease   shall  also  be  subject  to  any   amendments,
modifications  and supplements to the Lease hereafter made between  Landlord and
Sublessor,  provided that any such  amendments,  modifications or supplements to
the Lease hereafter made between Landlord and Sublessor will not prevent, limit,
restrict or adversely  affect the use by Sublessee of the Subleased  Premises or
increase in any material respect its duties,  obligations,  responsibilities and
liabilities under and in accordance with the terms of this Sublease; and further
provided that any such amendments,  modifications or supplements are provided to
Sublessee  prior to  execution  and that a copy of such  executed  documents  is
provided to Sublessee.

                  7. Use.  Sublessee  hereby agrees that the Subleased  Premises
will be occupied and used only for general  office use and for no other purpose,
and in a manner consistent in all respects with the provisions of the Lease.

                  8.  Services  Under the Lease.  Except as  otherwise  provided
either in this  Paragraph 8 or elsewhere in this  Sublease,  Sublessee  shall be
entitled,  during the Term hereof, to receive all services,  utilities,  repairs
and  facilities  to be  provided  by  Landlord  under the Lease  insofar as such
services,  utilities,  repairs and facilities pertain to the Subleased Premises.
Sublessee shall contract directly with LIPA for energy services to the Subleased
Premises and  Sublessee  shall pay the cost of such services to LIPA in a timely
fashion. Sublessor shall use its reasonable efforts to secure the performance by
Landlord  of its  obligations  under the Lease  with  respect  to the  Subleased
Premises  for the  delivery,  provision  and/or  performance  of such  services,
utilities,  repairs and  facilities  as are  required to be provided by Landlord
under the Lease, except for such services, utilities, repairs and facilities for
which  Sublessor,  Sublessee  or any  other  tenant  is



                                       4
<PAGE>

responsible;  provided,  however,  Sublessor  shall in no event be  required  to
commence or maintain  litigation to enforce such  obligations  of Landlord under
the  Lease,  or  to  incur  any  cost  or  expense  whatsoever  to  secure  such
performance.  In the event  that  Sublessor  fails or  refuses  to  commence  or
maintain any such litigation to enforce obligations of Landlord under the Lease,
then and in that event,  Sublessee shall have the right to do so, at Sublessee's
sole cost and expense, as Sublessor's  attorney-in-fact and/or assignee pursuant
hereto.  Sublessee  agrees that Sublessor  shall have no liability of any nature
whatsoever  to  Sublessee as a  consequence  of  Landlord's  failure to delay in
performing  its  obligations  under the Lease,  including,  without  limitation,
Landlord's  breach  of the  covenant  of quiet  enjoyment,  provided  that  such
failure, delay or breach is not the result of any default by the Sublessor under
the Lease, and provided further, that Sublessor shall have had an opportunity to
cure such default.  Sublessee's  obligations hereunder shall not be impaired nor
shall the  performance  thereof  be excused  because of any  failure or delay on
Landlord's  part in  performing  its  obligations  under the Lease  unless  such
failure or delay results from  Sublessor's  being in default under the Lease and
Sublessor's default thereunder is not due to a default of Sublessee hereunder.

                  9. Alterations. Except as otherwise herein provided, Sublessee
shall   make  no   alterations,   installations,   additions   or   improvements
(collectively,  "Alterations")  into or about the  Sublease  Premises  except in
accordance  with the  applicable  provisions  of the  Lease,  including  but not
limited to Article 14 thereof.

(B)

In the event that Sublessee shall fail to take out or  continuously  maintain in
force the insurance policies required  hereunder,  Sublessor may, at its option,
effect such  insurance and charge the cost thereof to Sublessee,  who shall pay,
as  Additional  Rent,  such sums to Sublessor.  (C) Each of the above  described
policies shall contain the following endorsement,  to the extent available,  "It
is  understood  and agreed  that the  premiums  for these  policies  are due and
payable from Sublessee only."

                  11. Full Force and Effect of the Lease.  Sublessor  represents
that the copy of the Lease  delivered  to  Sublessee  is a true and correct copy
thereof.  Sublessor  represents  further  that (a) there  have  been no  further
amendments to nor  modifications  of the Lease,  (b) to the best of  Sublessor's
knowledge,  neither  Landlord nor Sublessor are in default under the Lease,  (c)
Sublessor has not received any default notices from Landlord,  and (d) Sublessor
has not sent any default notices to Landlord.

                  12. No Representations. Sublessor has made no representations,
agreements or promises with respect to the Building or the Subleased Premises or
the use thereof  other than those  expressly  set forth in this  Sublease and no
rights are to be deemed  acquired by  Sublessee,  by  implication  or otherwise,
except  those  expressly  granted  herein.  This  Sublease  contains  the entire
agreement between Sublessor and Sublessee with respect to the Subleased Premises




                                       5
<PAGE>

and all prior  negotiations  and  agreements  are merged in this  Sublease.  Any
executory  agreement  hereafter  made between  Sublessor and Sublessee  shall be
ineffective to change, modify, waive, release, discharge, terminate or effect an
abandonment  or surrender  of this  Sublease,  in whole or in part,  unless such
agreement is in writing and signed by the party against whom enforcement thereof
is sought.

                  13. Default.  (A) This Sublease and the term and estate herein
granted are subject to the limitations that:

                             (i) if,  Sublessee  shall default in the observance
or  performance  of any term,  covenant or condition of the Lease on Sublessee's
part to be observed or performed,  which default  results in a notice of default
by Landlord to Sublessor  and such default  shall  continue for a period of five
(5) days after  delivery to Sublessee of a true and complete  copy of Landlord's
notice  of  default,  or if  such  default  is of a  nature  that it  cannot  be
completely  remedied  within  said  five (5) day  period if  Sublessee  fails to
commence to cures such  default  within said five (5) day period and  thereafter
diligently  prosecute to completion all steps  necessary to remedy such default;
or

                             (ii) if,  Sublessee  shall  default in the  payment
when due of any  installment  of Fixed  Rent or in the  payment  when due of any
Additional  Rent, and such default shall continue for a period of three (3) days
after notice by Sublessor to Sublessee of such default; or

                             (iii) if, Sublessee shall default in the observance
or  performance  of  any  term,  covenant  or  condition  of  this  Sublease  on
Sublessee's  part to be observed or performed  (other than the covenants for the
payment of Fixed Rent and  Additional  Rent) and Sublessee  shall fail to remedy
such default within ten (10) days after notice by Sublessor to Sublessee of such
default, or if such default is of a nature that it cannot be completely remedied
within said ten (10) day period, if Sublessee shall not commence within said ten
(10) day period and  thereafter  diligently  prosecute to  completion  all steps
necessary to remedy such default; or

                             (iv)  if,  the  Subleased   Premises  shall  become
vacant, deserted or abandoned without payment of Rent; or

                             (v) if, Sublessee's interest in this Sublease shall
devolve upon or pass to any person,  whether by  operation of law or  otherwise,
except as may be expressly permitted under Paragraph 19 hereof; or

                             (vi) if, Sublessee shall file a voluntary  petition
in bankruptcy or insolvency, or shall be adjudicated a bankrupt or insolvent, or
shall file any  petition  or answer  seeking  any  reorganization,  arrangement,
composition, readjustment,  liquidation, dissolution or similar relief under the
present or any future  federal  bankruptcy  act or any other  statute or law, or
shall make an  assignment  for the benefit of creditors or shall seek or consent
to or acquiesce in the  appointment  of any trustee,  receiver or  liquidator of
Sublessee or of all or any part of Sublessee's property; or

                             (vii)  if,   within   sixty  (60)  days  after  the
commencement  of any proceeding  against  Sublessee,  whether by the filing of a
petition or otherwise,  seeking any



                                       6
<PAGE>

reorganization, arrangement, composition, readjustment, liquidation, dissolution
or similar relief under the present or future applicable federal, state or other
statute or law, such  proceeding  shall not have been  dismissed,  or if, within
sixty (60) days after the appointment of any trustee,  receiver or liquidator of
Sublessee, or of all or any part of Sublessee's property, without the consent or
acquiescence  of  Sublessee,  such  appointment  shall not have been  vacated or
otherwise discharged,  or if any lien, execution or attachment shall be filed or
issued against Sublessee or all or any part of Sublessee's  property pursuant to
which the Subleased Premises shall be taken or occupied or attempted to be taken
or occupied by someone other than Sublessee (except as provided in Paragraph

                     then, upon the  occurrence,  at any time prior to or during
the  Term,  of any one or  more  or such  events,  Sublessor  may,  at any  time
thereafter,  at  Sublessor's  sole  option,  give to  Sublessee a five (5) days"
notice of  cancellation  of this Sublease and, in such event,  this Sublease and
the Term  shall come to an end and  expire  (whether  or not the Term shall have
commenced)  upon the  expiration of said five (5) day period with the same force
and effect as if the date were the  Expiration  Date stated herein and Sublessee
shall then quit and surrender the Subleased Premises to Sublessor, but Sublessee
shall remain  liable for damages as provided in  Paragraph 25 hereof.  Sublessor
shall  have with  respect  to any such  default  any and all of such  rights and
remedies  as are given to Landlord  under the Lease with  respect to defaults by
the  tenant  thereunder,  all with the same  force  and  effect  as  though  the
provisions  of the Lease with respect to defaults and the rights and remedies of
Landlord  were set forth as length  herein.  If Sublessee  shall  default in the
performance of any of Sublessee's  obligations hereunder or under the provisions
of the Lease,  after the giving of notice and  opportunity  to cure as  provided
above,  Sublessor,  without  thereby  waiving such default,  may, at Sublessor's
option,  perform the same for the account  and at the expense of  Sublessee.  If
Sublessor  makes any  expenditures  or incurs any obligations for the payment of
money, including, without limitation, reasonable attorneys' fees and expenses in
instituting, prosecuting or defending any action or proceeding, by reason of any
default of Sublessee hereunder after giving of notice and opportunity to cure as
provided  above,  such sums paid or obligations  incurred,  with interest at the
rate of 12% per annum,  shall be deemed to be Additional  Rent and shall be paid
by Sublessee to Sublessor on demand.

                   (B)  If  Sublessor   shall  default  in  the   observance  or
performance  of any term,  covenant or condition of this Sublease on Sublessor's
part,  to be  observed or  performed,  and  Sublessor  shall fail to remedy such
default  with ten (10) days  after  notice by  Sublessee  to  Sublessor  of such
default, or if such default is of a nature that it cannot be completely remedied
within  said  ten  (10)  day  period  and  thereafter  diligently  prosecute  to
completion all steps  necessary to remedy such default,  then if Sublessee makes
any  expenditures or incurs any obligations for the payment of money,  including
without  limitation,   reasonable  attorneys"  fees  and  expenses  instituting,
prosecuting or defending any action or  proceeding,  by reason of any default of
Sublessor hereunder,  after giving of notice and opportunity to cure as provided
above,  Sublessee  shall  reimburse to Sublessee on demand all such sums paid by
Sublessee, with interest at the rate of 12% per annum.

               14.  Indemnity and Hold Harmless.  (A) Neither  Sublessor nor its
agents  shall be  liable  to  Sublessee,  its  employees,  agents,  contractors,
licensees, servants, invitees or visitors and Sublessee shall save Sublessor and
its agents  harmless  from and  against  any and all  liabilities,  obligations,
penalties,  fines, suits, claims,  demands,  actions,  costs and expenses of any
kind or


                                       7

<PAGE>

nature (including, without limitation, reasonable attorneys' fees and expenses),
incurred  in  connection  with or  arising  from any  injury to  Sublessee,  its
employees, agents, contractors,  licensees, servants, invitees or visitors or to
any other  person  in or about the  Subleased  Premises,  or from any  injury or
damage to or loss (by theft or otherwise) or, any of Sublessee's property and/or
of the  property of any other person  irrespective  of the cause of such injury,
damage or loss, other than injury,  damage or loss caused by Sublessor's willful
acts or  omissions  or  negligence.  Sublessee  agrees  to  indemnify  and  save
Sublessor  and its agents  harmless  from and against  any and all  liabilities,
obligations,  penalties,  fines,  suits,  claims,  demands,  actions,  costs and
expenses  of any  kind  or  nature  by  anyone  whomsoever  (including,  without
limitation,  reasonable  attorneys'  fees and expenses),  incurred in connection
with  or  arising  from  (i) any  default  by  Sublessee  in the  observance  or
performance  of any of the terms,  covenants,  conditions  or agreements of this
Sublease on Sublessee's part to be observed or performed,  beyond the expiration
of any applicable grace period, or (ii) the use or occupancy or manner of use or
occupancy of the Subleased  Premises by Sublessee or any person claiming through
or under Sublessee,  other than as permitted under the is Sublease,  unless such
is due to the  negligence  of  Sublessor,  its  agents or  employees,  (iii) the
condition of the Subleased Premises (ordinary wear and tear excepted), except if
created by Sublessor, or (iv) any acts, omissions or negligence of Sublessee, or
the employees, agents, contractors,  licensees, servants invitees or visitors of
Sublessee, in or about the Subleased Premises or the Building,  during the Term.
If any action or proceeding shall be brought against  Sublessor by reason of any
such claim,  Sublessee,  upon notice from Sublessor,  agrees to resist or defend
such action or proceeding and to employ counsel therefor reasonably satisfactory
to Sublessor.  Sublessee shall pay to Sublessor on demand,  as Additional  Rent,
all sums which may be owing to  Sublessor  by reason of the  provisions  of this
Paragraph 14. Sublessee's  obligations under this Paragraph 14 shall survive the
Expiration Date or sooner termination of the Term.

          (B) Sublessor  agrees to indemnify  and save  Sublessee and its agents
harmless from and against any and all liabilities, obligations, penalties fines,
suits,  claims,  demands,  actions,  costs and expenses of any kind or nature by
anyone whomsoever (including, without limitation, reasonable attorneys' fees and
expenses),  incurred in connection with or arising from any default by Sublessor
in the observance or performance of any of the terms,  covenants,  conditions or
agreements  of this  Sublease on  Sublessor's  part to be observed or performed,
beyond  the  expiration  of any  applicable  grace  period,  or (ii)  any  acts,
omissions or negligence of Sublessor,  or the  employees,  agents,  contractors,
licensees,  servants,  invitees or visitors of Sublessor in or about the Demised
Premises or the Building during the Term.

               15. Notices. Any notice, demand, request or other document which,
under the terms of this  Sublease or under any statute,  must or may be given or
made by the parties hereto,  must be in writing,  and shall be either personally
delivered  (provided  a  written  receipt  therefor  is  obtained),  or  sent by
registered or certified mail,  postage  prepaid,  return receipt  requested,  or
overnight  carrier,  addressed to the party for whom  intended at its address as
set forth on page 1 hereof, and, if to Sublessor,  with a copy to Attention: Ken
Schlesinger,  Esq.,  Olshan  Grundman,  505  Park  Ave.,  NY,  NY 10022 or if to
Sublessee, with a copy to 300 North Commons Blvd., Mayfield Village, Ohio 44143,
Attention: Amanda M. Seewald, Esq. (provided,  however, the failure to forward a
copy  of any  notice  to  counsel  shall  not be  deemed  to  make  such  notice
defective).  Either  party,  however,  may  designate a new or other  address by
written notice given in accordance with this Paragraph 15. Any notice personally
delivered shall be deemed given upon the signing of a receipt therefor,  and any
notice  so  addressed  and  mailed  shall  be  deemed  to be given  either  when
delivered,  or, if delivery is refused,  five (5)  business  days after the date
mailed,  as the case may be.  Any  notice,  demand or  request  given or made by
counsel for a party shall be deemed given or made by such party.

               16. Counterclaim.  Sublessee hereby waives the right to interpose
a counterclaim  (other than mandatory  counterclaims) in any summary  proceeding
initiated by Sublessor to remove Sublessee from the Subleased Premises.

               17. End of Term.  On the  Expiration  Date,  or upon any  earlier
termination of this Sublease,  Sublessee  shall quit and surrender the Subleased
Premises to Sublessor broom-clean and in as good order,  condition and repair as
the Subleased Premises existed upon the Commitment Date except for ordinary wear
and tear,  any  restoration  of the  Subleased  Premises not  required  pursuant
hereto,  damage or  destruction by fire and other casualty and such other damage
the repair of which is not Sublessee's  obligation  hereunder  (provided no such
damage shall be due to Sublessee's or  misconduct),  and otherwise in accordance
with the applicable provisions of the Lease. Sublessee recognizes that Sublessor
may suffer  substantial  damage if Sublessee  fails to surrender  and vacate the
Subleased Premises on the Expiration Date. Sublessee,  therefore, agrees that if
Sublessee shall hold-over or remain in possession  beyond the Expiration Date of
this  Sublease,  Sublessee  shall in addition to the  provision  of Paragraph 31
below,  be liable for all  compensatory  damages  directly  related  thereto and
arising  therefrom,  including any damages arising out of any lost opportunities
(and/or  new  lease) in  connection  with such  holding  over.  All  damages  to
Sublessor by reason of such  holding-over  by Sublessee  may be the subject of a
separate action and need not be asserted by Sublessor in any summary  proceeding
against Sublessee.  Sublessee further agrees to indemnify  Sublessor against and
from any and all losses,  liabilities,  damages,  costs and expenses  (including
reasonable   attorney's  fees)  Sublessor  incurs  to  dispossess  Sublease,  or
otherwise,  resulting from Sublessee's  failure to vacate the Subleased Premises
on the Expiration Date.  Sublessee's  obligations  under this Paragraph 17 shall
survive the termination of this Sublease.

               18. Quiet Enjoyment.  Sublessor  covenants with Sublessee that as
long as Sublessee  shall pay the Fixed Rent and  Additional  Rent and shall duly
perform all of the terms, covenants,  conditions and agreements of this Sublease
on its part to be performed, Sublessee shall, subject to the terms hereof and of
the Lease, peaceably have, hold and enjoy the Subleased Premises during the Term
provided  herein  without  hindrance  or  molestation  by Sublessor or any party
claiming by, through or under Sublessor.

               19.  Assignment and Subletting.  Sublessee,  for itself,  and its
successors  and  assigns,  expressly  covenants  that it shall not  assign  this
Sublease,  nor underlet,  nor suffer,  nor permit the Subleased  Premises or any
part  thereof to be used or  occupied by others,  except upon the prior  written
consent of both (i) Sublessor,  which consent shall not be unreasonably withheld
or delayed,  and (ii)  Landlord;  as provided  further  that any such  attempted
assignment, subletting, use or occupancy shall be subject to compliance with all
of the terms and  conditions  contained  in  Article  20 of the Lease and to the
rights of Landlord thereunder.

               20.  Effect of  Termination  of the  Lease.  Notwithstanding  the
provisions of Paragraph 2 hereof,  the Term of this  Sublease  shall end one day
prior  to the  Term of the  Lease  if


                                       9

<PAGE>

Landlord shall terminate the Lease in accordance with its terms. Upon receipt of
written  notice from  Landlord  terminating  the Lease,  Sublessor  shall notify
Sublessee  of  Landlord's  intention  to  terminate  the Lease and the date such
termination  shall be  effective.  In the  event of such  early  termination  by
Landlord ("Early Termination"),  Sublessor shall return to Sublessee any prepaid
Fixed Rent, any prepaid  Additional  Rent or Additional Rent covering any period
following  Early  Termination,  and thereafter  this Sublease shall terminate as
finally and completely as if the date set forth in the Early Termination  notice
shall be the  Expiration  Date  set  forth  herein  for the  termination  of the
Sublease Term.

                  21. Effect of Termination of this Sublease.  Reference in this
Sublease  to  "termination"  of this  Sublease  include  expiration  or  earlier
termination of the Term hereof or cancellation of this Sublease  pursuant to any
of the  provisions  of this  Sublease,  the Lease or pursuant  to law.  Upon the
termination of this Sublease, the term and estate granted by this Sublease shall
end at noon on the date of termination as if such date were the Expiration  Date
hereof,  and neither party shall have any further obligation or liability to the
other  after such  termination  except as shall be  expressly  provided  in this
Sublease,  any  liability for a payment which shall have accrued with respect to
any period  ending  prior to or at the time of  termination  shall  survive  the
termination of this Sublease.

                  22.  Remedies  Cumulative.  Each right and remedy of Sublessor
and Sublessee  provided for in this Sublease shall be cumulative and shall be in
addition to every other right and remedy  provided  for in this  Sublease now or
hereafter existing at law or in equity or by statute or otherwise.

                  23.  Binding  Effect.  The terms,  covenants,  conditions  and
agreements  contained  in this  Sublease  shall bind and inure to the benefit of
Sublessor and Sublessee and their respective successors and assigns, except that
no violation of the  provisions of Paragraph 19 hereof shall operate to vest any
rights in any  successor or assignee of Sublessee.  It is understood  and agreed
that the  obligations of Sublessor under this Sublease shall not be binding upon
Sublessor  with respect t any period  subsequent to the transfer of its interest
in the Lease,  and that in the event of such  transfer  said  obligations  shall
thereafter be binding upon the transferee of the Sublessor's  interest as tenant
under the Lease.

                  24. Intentionally Omitted.

                  25. Re-entry by Sublessor;  Remedies.  (A)(i) If this Sublease
and the Term shall expire and come to an end as provided in Paragraph 13 hereof:

                      (a)  Sublessor and its agents may  immediately,  or at any
time thereafter,  re-enter the Subleased Premises or any part thereof, either by
summary  proceedings,  or by any  other  applicable  court  action  or  judicial
proceeding   (without  being  liable  to  indictment,   prosecution  or  damages
therefor), and any repossess the Subleased Premises and the Furniture and remove
any and all of their property and effects from the Subleased Premises; and

                      (b) Sublessor,  at its option,  may relet the whole or any
part or  parts of the  Subleased  Premises,  at any  time or from  time to time,
either in the name of Sublessor or otherwise,  to such  subtenant or subtenants,
for such term or terms ending before,  on or after the Expiration  Date, at such

                                       10

<PAGE>
rental or rentals and upon such  conditions,  which may include  concessions and
free rent periods, as Sublessor,  in its reasonable  discretion,  may determine.
Sublessor  shall have no obligation to relet the Subleased  Premises or any part
thereof  and shall in no event be liable  for  refusal  or  failure to relet the
Subleased Premises or any part thereof,  or, in the event of any such reletting,
for refusal or failure to collect any rent due upon any such  reletting,  and no
such refusal or failure  shall  operate to relieve  Sublessee  of any  liability
under this Sublease or otherwise to affect any such liability. Sublessor, at its
option,   may  take  such   repairs,   replacements,   alterations,   additions,
improvements,  decorations  and other  physical  changes in and to the Subleased
Premises as Sublessor,  in its  reasonable  discretion,  considers  advisable or
necessary in connection with any such reletting or proposed  reletting,  without
relieving  Sublessee of any liability under this Sublease or otherwise affecting
any such liability.

                      (ii)  Sublessee,  on its own  behalf  and on behalf of all
persons  claiming  through or under  Sublessee,  including all  creditors,  does
further  hereby  waive any and all rights which  Sublessee  and all such persons
might otherwise have under any present or future law to (a) redeem the Subleased
Premises,  or re-enter or repossess the Subleased  Premises,  or (b) restore the
operation of this Sublease,  after (1) Sublessee shall have been dispossessed by
a judgment or by warrant of any court or judge,  (2) any re-entry by  Sublessor,
or (3) any expiration or termination of this Sublease and the Term, whether such
dispossess,  re-entry, expiration or termination shall be by operation of law or
pursuant to the provisions of this Sublease.  The words  "re-enter",  "re-entry"
and  "re-entered"  as used herein shall not be deemed to be  restricted to their
technical  legal  meanings.  The right to invoke the remedies  hereinbefore  set
forth are  cumulative  and shall not preclude  Sublessor from invoking any other
remedy allowed at law or in equity.

                  (B) In the  event  of  any  breach  or  threatened  breach  by
Sublessee or any person claiming through or under Sublessee, of any of the terms
of this Sublease (whether or not the Term shall have commenced), Sublessor shall
be entitled to enjoin such breach or threatened  breach and shall have the right
to invoke any other remedy allowed at law or in equity, by statute or otherwise,
as if re-entry, summary proceedings or other specific remedies were not provided
for in this Sublease.

                  (C) (i) If this Sublease and the Term shall expire and come to
an end as provided in Paragraph 13 hereof, or by or under any summary proceeding
or any other action or proceeding,  or if Sublessor shall re-enter the Subleased
Premises as provided in this Paragraph 25 and elsewhere in this Sublease,  or by
or under any summary proceeding or any other action or proceeding,  then, in any
of said events:

                      (a)  Sublessee  shall pay to  Sublessor  all  Fixed  Rent,
Additional  Rent and other  charges  payable under this Sublease by Sublessee to
Sublessor  to the date upon which this  Sublease and the Term shall have expired
and come to an end or to the date of  re-entry  upon the  Subleased  Premises by
Sublessor, as the case may be.

                      (b) All monies,  if any,  therefore  paid by  Sublessee to
Sublessor,  whether as  advanced  Fixed  Rent,  Additional  Rent,  Security,  or
otherwise,  shall be  credited  by  Sublessor  against  any  damages  payable by
Sublessee to Sublessor, and any surplus, if any, shall be refunded to Sublessee;


                                       11
<PAGE>

                      (c)  Sublessee  also  shall be liable for and shall pay to
Sublessor as damages,  any deficiency  (hereafter  referred to as  "Deficiency")
between  the Fixed Rent and  Additional  Rent  served in this  Sublease  for the
period which otherwise would have constituted the unexpired  portion of the Term
(conclusively  presuming the  Additional  Rent to be the same as was payable for
the year immediately preceding such termination or re-entry) and the net amount,
if any, of rents and  collected  under any reletting for any part of such period
(first  deducting  from the  rents  collected  under any such  reletting  all of
Sublessor's  reasonable  expenses in  connection  with the  termination  of this
Sublease,  and  Sublessor's  re-entry upon the Subleased  Premises and with such
reletting,  including,  but not limited to, all  repossession  costs,  brokerage
commissions, legal expenses, attorney's fees and disbursements, alteration costs
and other expenses of preparing the Subleased Premises for such reletting).  Any
such Deficiency  shall be paid in monthly  installments by Sublessee on the days
specified in this Sublease for payment of installments of Fixed Rent.  Sublessor
shall be entitled to recover from Sublessee each monthly  Deficiency as the same
shall arise,  an no suite to collect the amount of the  Deficiency for any month
shall prejudice  Sublessor's  right to collect the Deficiency for any subsequent
month by a similar proceeding;

                   (ii) If the Subleased Premises, or any part thereof, shall be
relet  together  with other space in the Demised  Premises,  rents  collected or
reserved under any such  reletting and the expenses of any such reletting  shall
be equitably  apportioned for the purposes of Section C.(i) hereof.  In no event
whatsoever  shall  Sublessee be entitled to any rents collected or payable under
any  reletting,  whether  or not such  rents  shall  exceed  the Fixed  Rent and
Additional  Rent reserved in this  Sublease.  Nothing  contained in Paragraph 13
hereof or this Paragraph 25 shall be deemed to limit or preclude the recovery by
Sublessor from Sublessee of the maximum amount allowed to be obtained as damages
by any statute or rule of law, or of any sums or damages to which  Sublessor may
be entitled in addition to the damages set forth in Section C.(i) hereof.

               26. Certificates.  Sublessor and Sublessee shall, without charge,
at reasonable  intervals,  and from time to time,  within ten (10) business days
after requests by the other, deliver a written instrument to any person, firm or
corporation specified by them, duly executed and acknowledged, certifying:

                      (a) that this Sublease is unmodified and in full force and
effect,  if there have been any  modifications,  that the same are in full force
and effect as modified and stating any such modifications and if the Sublease is
not then in full force and effect,  so stating and setting  forth in  reasonable
detail the nature of any default, deficiency or changed circumstances;

                      (b)  whether or not there are then  existing  set-offs  or
defenses against the enforcement of any of the agreements,  terms,  covenants or
conditions  of  this  Sublease  and any  modifications  thereof  on the  part of
Sublessee to be performed or complied with, and, if so, specifying the same;

                      (c) whether the term of this  Sublease has  commenced  and
rent is payable thereunder and whether Sublessee has accepted  possession of the
Subleased Premises;

                                       12
<PAGE>

               27. Execution of Sublease.  Submission by Sublessor of the within
Sublease  for  execution  by  Sublessee  shall  confer no rights  nor impose any
obligations on either party unless and until both Sublessor and Sublessee  shall
have  executed  this  Sublease,  duplicate  originals  thereof  shall  have been
delivered  to the  respective  parties  and  Landlord  shall have  delivered  to
Sublessor  the Consent to Sublease and Sublessor  shall have  promptly  notified
Sublessee of its receipt of Landlord's Consent to Sublease.

               28. Holding Over. If Sublessee holds over in possession after the
expiration or sooner termination of the original Term or of any extended term of
this Sublease, such holding over shall not be deemed to extend the Term or renew
the Sublease, but such holding over thereafter shall continue upon the covenants
and conditions herein set forth, except that the charge for use and occupancy of
such holding  over for each  calendar  month or part thereof  (even if such part
shall be a small fraction of a calendar month) shall be the sum of

                      (a)  1/12 of the  annual  Fixed  Rent  set  forth  in this
sublease, times 1.5, plus

                      (b) 1/12 of all  other  items of  annual  Additional  Rent
which would have been payable  pursuant to this  Sublease had this  Sublease not
expired, plus

                      (c) those  other  items of  Additional  Rent  (not  annual
Additional  Rent) which would have been payable  pursuant to this Sublease,  had
this Sublease not expired,  which total sum Sublessee agrees to pay to Sublessor
promptly upon demand, in full, without set-off or deduction. Neither the billing
nor the  collection  of use and  occupancy in the above amount shall be deemed a
waiver of any right of Sublessor to collect damages for  Sublessee's  failure to
vacate the Subleased Premises after the expiration or sooner termination of this
Sublease.  The aforesaid provisions of this Section shall survive the expiration
or sooner termination of this Sublease.

               29. Late Charges.  If Sublessor  does not receive  payment of any
Fixed Rent or Additional  Rent within five (5) days after any such Fixed Rent or
Additional  Rent is due,  then  Sublessee  shall  pay to  Sublessor,  as a "late
charge", interest at the lesser of (i) two percent (2%) per annum above the then
current  prime rate  charged by  Citibank,  N.A. or its  successor,  or (ii) the
maximum  rate  permitted  by  applicable  law on the amount of Fixed Rent and/or
Additional  Rent so  overdue  and such "late  charge"  shall be  collectible  as
Additional Rent by Sublessor.

               30.  Attorneys'  Fees.  (a) In case it  shall  be  necessary  for
Sublessor  to  institute  any action or  proceeding  against  Sublessee  for the
nonpayment of rent or for the violation of any of the covenants or provisions of
this Sublease or for the recovery of  possession  of the  Subleased  Premises or
should  Sublessor be compelled to intervene in any action or proceeding  wherein
Sublessee  is a party  in  order  to  enforce  Sublessor's  interest  or  rights
hereunder,  then and in any of such events, if Sublessor shall obtain a judgment
or order in its favor on the  merits,  sustained  on appeal if one is taken,  in
such action or  proceeding,  Sublessee  shall be  obligated  to pay to Sublessor
reasonable attorneys" fees, costs and disbursements incurred for the institution
and prosecution of any such action, proceeding or intervention.


                                       13
<PAGE>

                  (b) In case it shall be necessary  for  Sublessee to institute
any action or  proceeding  against  Sublessor  for the  violation  of any of the
covenants or  provisions  of this  Sublease or should  Sublessee be compelled to
intervene in any action or proceeding  wherein  Sublessor is a party in order to
enforce  Sublessee's  interest  or  rights  hereunder,  then  and in any of such
events,  if  Sublessee  shall  obtain a  judgment  or order in its  favor on the
merits,  sustained  on  appeal if one is taken,  in such  action or  proceeding,
Sublessor  shall be obligated to pay to Sublessee  reasonable  attorneys'  fees,
costs and disbursements incurred for the institution and prosecution of any such
action, proceeding or intervention.

               31. No Broker. Sublessor and Sublessee represent and warrant that
they have dealt with no broker or finder in connection  with this Sublease other
than  Sutton & Edwards.  Sublessor  shall pay a  commission  to Sutton & Edwards
pursuant to a separate  written  agreement.  Sublessor and Sublessee  each shall
indemnify,  defend  and save  harmless  the other  from and  against  all claims
arising from any breach by such party of the foregoing representation,  warranty
or covenant.  The  indemnity  set forth herein shall  survive the  expiration or
earlier termination of this Sublease.

               32.  Parking.  In addition to the parking rights set forth in the
Lease, Sublessor acknowledges to Sublessee that Sublessee shall on occasion, for
duration's  that do not extend beyond business work hours park vehicles known as
"SUV's" in Sublessee reserved parking as set forth in the Lease.

                  (b) In the event that Sublessee leases,  uses or licenses from
Nassau County in the adjoining  property known as the "Rifle Range" , additional
parking  in an  amount  equal to or in excess of ten  vehicles,  Sublessor  will
credit  Sublessee  in an  amount  of  $3.00  per  day,  for each of the ten (10)
vehicles only ($90.00 per month for each vehicle; $900.00 per month for ten (10)
vehicles).  The amount of credit shall not exceed $900.00 per month. The parking
charge shall be a credit  against the rent on a monthly basis  starting with the
first month  Sublessee  actually  leases such parking  spaces  (Sublessee  shall
provide  Sublessor  with a copy of said Parking  Agreement)  provided,  however,
Sublessee  shall be entitled  to a double  credit for months 4, 5, and 6 of this
Sublease.



                                       14
<PAGE>

                  IN WITNESS WHEREOF, Sublessor and Sublessee have duly executed
this Sublease as of the day and year first above written.





                                       SUBLESSOR:


                                       QueryObject Systems Corporation

                                       By:
                                          -------------------------------------
                                          Name:_______________________________
                                          Title:  ____________________________



                                       SUBLESSEE:

                                       Progressive Insurance, Inc.


                                       By:
                                          --------------------------------------
                                          Name:_______________________________
                                          Title:______________________________


                                          By and through its signature contained
                                          below,  Landlord  hereby  consents  to
                                          this  Sublease  and agrees to be bound
                                          by the terms, conditions and covenants
                                          contained herein as such relate to the
                                          Landlord


                                       LANDLORD:

                                       Reckson Associates


                                            By:_________________________________
                                            Name:_______________________________
                                            Title:______________________________



                                       15
<PAGE>
                              EXHIBITS TO SUBLEASE


Subleased Premises                    Exhibit A
Lease                                 Exhibit B


<PAGE>

                                    EXHIBIT A

                               SUBLEASED PREMISES




<PAGE>

                                    EXHIBIT B

                                      LEASE