EXHIBIT 10(x)


                                 EMPLOYMENT AGREEMENT
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                    AGREEMENT made as of the 1st day of April, 1996, by and

          among WARNER INSURANCE SERVICES, INC., a Delaware corporation

          (the "Company"), having its principal office at 18-01 Pollitt

          Drive, Fair Lawn, New Jersey 07410 and RAUL F. CALVO, residing at

          16 Primrose Avenue, Floral Park, New York 11001-2505 (the

          "Employee").

                                 W I T N E S S E T H:
                                 - - - - - - - - - -


                    WHEREAS, the Employee has been serving as a Vice

          President of the Company and has been performing the duties of a

          Vice President for the Company, and the Company and the Employee

          desire to continue the Employee's employment pursuant to the

          terms hereof.



                    NOW, THEREFORE, in consideration of the

          representations, warranties and mutual covenants set forth

          herein, the parties agree as follows:



                    1.   Employment.  The Company, effective April 1st,
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          1996, hereby agrees to continue to retain the Employee as Vice

          President of the Company and the Employee hereby accepts such

          employment, all upon and subject to the terms and conditions

          hereinafter set forth.

                    2.   Term.  The term of employment under this Agreement
                         ----
          (the "Employment Agreement") shall commence as of April 1, 1996

          and shall continue in full force and effect until March 31, 1998

          (the "Employment Term"), subject to earlier termination for

          disability or for cause as provided in Section 5 hereof.  This

          Agreement may be renewed by the Company and Employee for

          successive one-year terms by providing written notice of renewal

          to each other, provided such written notice is given at least

          ninety (90) days prior to the expiration of the then current

          term. 

                    3.   Duties.
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                    (a)  The Employee will render his services to the

          Company as a Vice President and shall perform such duties and

          services of those offices or positions or of such other office or

          position as may be assigned to him from time to time by the Board

          of Directors of the Company.  In addition, the Employee will

          hold, without additional compensation therefor, such other

          offices and directorships in the Company or any parent or

          subsidiary of the Company to which, from time to time, he may be

          appointed or elected.

                    (b)  Except as otherwise provided herein and except for

          illness, permitted vacation periods and permitted leaves of

          absence consistent with the past practice of the Company or as

          otherwise approved by the Board of Directors of the Company, the

          Employee agrees that during the term of his employment hereunder,

          he shall devote all of his full working time and attention, and

          give his best effort, skill and abilities, exclusively to the

          business and interests of the Company.



                    4.   Compensation; Benefits
                         ----------------------

                    (a)  Salary.  In consideration of the services to be
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          rendered by the Employee hereunder, including, without

          limitation, any services rendered by him as an officer or

          director of the Company or any parent, subsidiary or affiliate of

          the Company, the Company agrees to pay to the Employee, and the

          Employee agrees to accept as compensation, a salary of

          $131,250.00 (the "Salary"), payable in accordance with the

          Company's normal payroll policies.  The Company, by action of the

          Board of Directors or the Compensation Committee of the Board of

          Directors of the Company, may, in their sole discretion, increase

          the Salary at any time.  The Employee's Salary shall be subject

          to all applicable withholding and other taxes.

                    (b)  Benefits.  During the term of his employment
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          hereunder, the Employee shall be entitled to the following

          employment benefits:

                         (i)  vacations and sick leaves in accordance with

               the Company's policies from time to time in effect for

               officers and executive employees of the Company; and


                        (ii)  participation, subject to qualification and

               participation requirements, in medical, life or other

               insurance or hospitalization plans and any pension, profit

               sharing or other employee benefit plans, presently in effect

               or hereafter instituted by the Company and applicable to its

               officers and executive employees.

                    (c)  Reimbursement of Expenses.  The Employee shall be
                         --------------------------
          reimbursed for reasonable and necessary expenses incurred by the

          Employee in performing his employment hereunder, provided such

          expenses are adequately documented in accordance with the

          Company's policies.  

                 5.   Termination in Case of Disability Death or for Cause.
                      -----------------------------------------------------
                 (a)  If the Employee, due to physical or mental injury,

       illness, disability or incapacity, shall fail to render the services

       provided for in this Agreement for a consecutive period of three (3)

       months, or an aggregate of three (3) months in any six (6) month

       period, the Company may, at its option, terminate the Employee's

       employment hereunder upon fourteen (14) days' written notice to the

       Employee. 

                 (b)  If the Employee shall die during the term of this

       Agreement, this Agreement and the Employee's employment hereunder shall

       terminate immediately upon the Employee's death. 


                 (c)  Notwithstanding anything to the contrary in this

       Agreement, the Company, upon notice to the Employee, may terminate this

       Agreement and the employment of the Employee hereunder for cause.

                 6.   Severance Compensation.
                      ----------------------
                 (a)  In the event the Employee's employment hereunder is

       terminated by the Company during the Employment Term for any reason

       other than for cause, death or disability, the Company shall pay to the

       Employee as severance compensation an amount equal to six (6) months'

       Salary.

                 (b)  In the event the Employee's employment hereunder is

       terminated by the Company after the Employment Term for any reason,

       including the expiration of the Employment Term without renewal thereof

       by the Company, and other than for cause, death or disability, the

       Company shall pay to the Employee as severance compensation an amount

       equal to six (6) months' Salary.

                 (c)  If the Employee resigns from the employ of the Company

       during the Employment Term as a result of the principal place of

       business of the Employee being moved to a location which is greater

       than fifty (50) miles from the Employee's current residence in Floral

       Park, New York, the Company shall be obligated to pay to the Employee

       as severance compensation an amount equal to six (6) months' Salary.

                 (d)  Severance compensation shall be paid biweekly in

       accordance with the Company's usual practices.  Employee shall also be

       paid biweekly for unused vacation time.


                 (e)  In the event the Employee receives severance

       compensation under this Section 6, the Employee shall not be entitled

       to receive any other compensation or benefits under this Agreement

       after the termination of the Employee's employment hereunder and, as a

       condition to receiving such severance compensation, the Employee hereby

       agrees that he shall have no other claim against the Company by reason

       of this Agreement.

                 7.   Disclosure and Assignment of Discoveries.
                      ----------------------------------------
                 (a)  The Employee shall (without any additional compensation)

       promptly disclose in writing to the Board of Directors of the Company

       all ideas, processes, devices and business concepts (hereinafter

       referred to collectively as "Discoveries"), whether or not patentable

       or copyrightable, which he, while employed by the Company, conceives,

       develops, acquires or reduces to practice, whether alone or with others

       and whether during or after usual working hours, and which are related

       to the Company's business or interests, or arise out of or in

       connection with the duties performed by him hereunder; and the Employee

       hereby transfers and assigns to the Company all right, title and

       interest in and to such Discoveries.  Upon the request of the Company,

       the Employee shall (without any additional compensation), from time to

       time during or after the expiration or termination of his employment,

       execute such further instruments and do all such other acts and things

       as may be deemed necessary or desirable by the Company to protect

       and/or enforce its rights in respect of such discoveries.

                 (b)  For purposes of this Section 7 and the following Section

       8, the term "Company" shall mean and include any and all subsidiaries,

       parents and affiliated corporations of the Company in existence from

       time to time.

                 8.   Non-Disclosure of Confidential Information and
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       Non-Competition .
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                 (a)  The Employee represents that he has been informed that

       it is the policy of the Company to maintain as secret and confidential

       all information relating to (i) the products, processes and/or business

       concepts used by the Company and (ii) the customers and employees of

       the Company ("Confidential Information"), and the Employee further

       acknowledges that such Confidential Information is of great value to

       the Company and is the property of the Company.  The parties recognize

       that the services to be performed by the Employee are special and

       unique, and that by reason of his employment by the Company, he will

       acquire Confidential Information as aforesaid.  The parties confirm

       that to protect the Company's goodwill, it is reasonably necessary that

       the Employee agree, and accordingly the Employee does hereby agree,

       that he will not directly or indirectly (except where authorized by the

       Board of Directors of the Company for the benefit of the Company):

                 A.   at any time during his employment hereunder or after he

            ceases to be employed by the Company, divulge to any persons,

            firms or corporations other than the Company (hereinafter referred

            to collectively as "Third Parties"), or use, or cause to authorize

            any Third Parties to use, any such Confidential Information, or

            any other information regarded as confidential and valuable by the

            Company which he knows or should know is regarded as confidential

            and valuable by the Company (whether or not any of the foregoing

            information is actually novel or unique or is actually known to

            others); or

                 B.   at any time during his employment hereunder and for a

            period of one (1) year after he ceases to be employed by the

            Company (the "Restricted Period"), solicit or cause or authorize,

            directly or indirectly, to be solicited for employment, for or on

            behalf of himself or Third Parties, any persons who were at any

            time within one year prior to the cessation of his employment

            hereunder, employees of the Company; or

                 C.   at any time during his employment hereunder and during

            the Restricted Period, employ or cause or authorize, directly or

            indirectly, to be employed, for or on behalf of himself or Third

            Parties, any such employees of the Company;

                 D.   at any time during his employment hereunder and during

            the Restricted Period, unless agreed to by the Company in writing,

            the Employee will not accept employment with or participate,

            directly or indirectly, as owner, stockholder, director, officer,

            manager, consultant or agent or otherwise use his special, unique

            or extraordinary skills or knowledge with respect to the business

            of the Company or of any affiliate of the Company in or with any

            business, firm, corporation, partnership, association, venture or

            other entity or person which is engaged in any business activities

            competitive with the business of the Company as such business was

            conostituted during the period of employment, except that this

            paragraph D shall not be construed to prohibit the Employee from

            owning up to 5% of the securities of a corporation which are

            publicly traded on a national securities exchange or in the

            over-the-counter market; or

                 E.   at any time during his employment hereunder and during

            the Restricted Period, solicit or cause or authorize, directly or

            indirectly, to be solicited, for or on behalf of himself or Third

            Parties, any business from Third Parties who were, at any time

            within one (1) year prior to the cessation of his employment

            hereunder, customers of the Company; or

                 F.   at any time during his employment hereunder and during

            the Restricted Period, accept or cause or authorize, directly or

            indirectly, to be accepted, for or on behalf of himself or Third

            Parties, any business from any such customers of the Company.

                 (b)  The Employee agrees that he will not, at any time,

       remove from the Company's premises any drawings, notebooks, data and

       other documents and materials relating to the business and procedures

       heretofore or hereafter acquired, developed and/or used by the Company

       without prior written consent of the Board of Directors of the Company,

       except as reasonably necessary to the discharge of his duties

       hereunder.

                 (c)  The Employee agrees that, upon the expiration of his

       employment by the Company for any reason, he shall forthwith deliver up

       to the Company any and all order-books, customer lists, logs, drawings,

       notebooks and other documents and materials, and all copies thereof, in

       his possession or under his control relating to any Confidential

       Information or any discoveries or which is otherwise the property of

       the Company.

                 (d)  The Employee agrees that any breach or threatened breach

       or alleged breach or alleged threatened breach by him of any provision

       of this Section 8 shall entitle the Company, in addition to any other

       legal remedies available to it, to apply to any court of competent

       jurisdiction to enjoin such breach or threatened breach or alleged

       breach or alleged threatened breach.  The parties understand and intend

       that each restriction agreed to by the Employee hereinabove shall be

       construed as separable and divisible from every other restriction, and

       that the unenforceability, in whole or in part, of any other

       restriction, will not effect the enforceability of the remaining

       restrictions and that one or more or all of such restrictions may be

       enforced in whole or in part as the circumstances warrant.  No waiver

       of any one breach of the restrictions contained in this Section 8 shall

       be deemed a waiver of any future breach. 

                 (e)  The Employee hereby acknowledges that he is fully

       cognizant of the restrictions put upon him by this Section 8, and that

       the provisions of this Section 8 shall survive the termination of this

       Employment Agreement and his employment with the Company. 

                 9.   Conflicting Agreements and Warranties of the Employee. 
                      ------------------------------------------------------

       The Employee hereby represents and warrants to the Company that (a)

       neither the execution of this Agreement by the Employee nor the

       performance by the Employee of any of his obligations or duties

       hereunder will conflict with or violate or constitute a breach of the

       terms of any employment or other agreement to which the Employee is a

       party or by which the Employee is bound, and (b) the Employee is not

       required to obtain the consent of any person, firm, corporation or

       other entity in order to enter into this Agreement or to perform any of

       his obligations or duties hereunder.

                 10.  Notices.
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                 (a)  All notices, requests, demands or other communications

       hereunder shall be deemed to have been given if delivered in writing

       personally or by certified mail to each party at the address set forth

       below, or at such other address as each party may designate in writing

       to the other: 

                      If to the Company:

                         Warner Insurance Services, Inc. 
                         18-01 Pollitt Drive 
                         Fair Lawn, New Jersey 07410 
                         Attention: President and Chief Executive Officer

                         with a copy to:

                         Reid & Priest LLP
                         40 West 57th Street 
                         New York, New York 10019 
                         Attention: Leonard Gubar, Esq. 

                         If to the Employee:

                         Raul F. Calvo
                         16 Primrose Avenue
                         Floral Park, New York 11001-2505

                    11.  Entire Agreement.  This Agreement contains the
                         ----------------
          entire understanding of the parties with respect to the subject

          matter hereof, supersedes any prior agreement between the

          parties, and may not be changed or terminated orally.  No change,

          termination or attempted waiver of any of the provisions hereof

          or thereof shall be binding unless in writing and signed by the

          party against whom the same is sought to be enforced.  No

          provision hereof shall be construed against a party because that

          provision or any other provision was drafted by or at the

          direction of such party. 

                    12.  Successors and Assigns.  This Agreement shall be
                         ----------------------
          binding upon and shall inure to the benefit of the respective

          heirs, legal representatives, successors and assigns of the

          parties hereto.

                    13.  Severability.  In the event that any one or more
                         ------------
          of the provisions of this Agreement shall be declared to be

          illegal or unenforceable under any law, rule or regulation of any

          government having jurisdiction over the parties hereto, such

          illegality or unenforceability shall not affect the validity and

          enforceability of the other provisions of this Agreement.

                    14.  Counterparts.  This Agreement may be executed in
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          one or more counterparts, each of which shall be deemed an

          original, but all of which together shall constitute one and the

          same instrument.

                    15.  Governing Law.  All matters concerning the
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          validity and interpretation of and performance under this

          Agreement shall be governed by the laws of the State of New York.

                    IN WITNESS WHEREOF, the parties hereto have executed

          this Agreement as of the date first above written.


                                        WARNER INSURANCE SERVICES, INC.



                                        By:   /s/ Alfred J. Moccia         
                                           --------------------------------
                                             Name:  Alfred J. Moccia
                                             Title: President



                                          /s/ Raul F. Calvo                
                                        ----------------------------------
                                                  RAUL F. CALVO