EXHIBIT 10.14

                              Careermag.com - Avert

                            Distribution Partnership
                                   Term Sheet
                                  June 8, 1999

Careermag.com  and Avert desire to enter into an agreement for the  distribution
of Avert Services and Products to  Careermag.com  customers and  prospects.  The
following  terms and conditions are agreed to for the purpose of  constructing a
Distribution Partnership agreement.

Overview

o    This  agreement  includes the marketing of  AvertAdvantage  memberships  to
     Careermag.com current clients and potential clients of HRLibrarry.com.  and
     Global Employment Solutions (GES).

o    Avert shall be responsible to develop and maintain  products,  services and
     any  mutually  agreed  to  integration  between   Careermag.com  and  Avert
     processing environments.

o    Careermag.com  shall  be  responsible  to  market  and  obtain  orders  for
     AvertAdvantage memberships to its customer and prospect base. Careermag.com
     delivered  customer  shall be  defined  as a  customer  who has  executed a
     Careermag.com / Avert co-branded user agreement.

o    Careermag.com  may  elect  as an  alternative  to  providing  a  "delivered
     customer"  to Avert to provide a qualified  lead for follow up by Avert New
     Customer Sales Representatives.


Product Offering and Product Price

o    Advantage  Online  memberships  shall  include  unlimited  First  Check and
     Instant  Address  Locator  products,  unlimited  access to the HRCare site,
     unlimited email access of the Knowledgelink HR help desk,  unlimited access
     to Advantage  online  documents and a 15% discount on all additional  Avert
     products through the Avertnet OrderXpert site.

o    Careermag.com may elect to resell Advantage Online memberships  directly to
     its target market or may elect to package  Advantage  Online as part of its
     HRLibrarry or other subscription  program. In either case it is agreed that
     the customer  perception  of the value of such  offering is at least $20.00
     per month.

Avert may increase prices for Advantage Online  memberships  consistent with its
AvertAdvantage  Online memberships  pricing.  Avert will notify Careermag.com of
such price increase 90 days prior to the effective date of the price change.


Revenue Sharing or Commission programs

o    Careermag.com  shall be  entitled  to 40% of the list  price for  Advantage
     Online  memberships  (currently  $20.00  per  month  list  price)  for  all
     "delivered customers" or leads that result in an Advantage Online customer.
     Payment will be in the form of a commission for all  "delivered  customers"
     billed through customary Avert billing methods. Payment will be in the form
     of a 40%  discount  off list  price for  Advantage  Online  memberships  if
     memberships  are  sold  as  a  part  of  other  Careermag.com  subscription
     programs.

o    In the event Careermag.com forwards a client contact as a lead to Avert NCS
     and client  subsequently  agrees to an Advantage Online memberships payment
     to Careermag.com  shall commence on the sixth month of customer payments to
     Avert.

o    Careermag.com  shall also earn a  commission  for all  additional  products
     ordered by Careermag.com  "delivered  customers." The commission will be 5%
     of product  revenues for the first twelve months and 10% of product revenue
     thereafter  as  long  as  the  customer   continues  the  Advantage  Online
     membership.  Product  commissions are not payable for clients  forwarded to
     Avert NCS as leads.


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Careermag.com Agrees to:

o    Forward  completed  order  documents   including  any  documents  for  FCRA
     compliance.

o    Email  Careermag.com  clients  with any start up and/or  customer  training
     materials.

o    Be responsible  for the costs  associated  with the production of all sales
     literature and sales training.

o    Make  payments  to Avert for  products  and  services  ordered  under  this
     agreement within 30 days of invoice.

o    Allow on-site visits at Averts option to Careermag.com place of business

o    Market Advantage Online memberships to its customers and clients

o    Keep  Avert  informed  of  problems  encountered  with Avert  products  and
     services

o    Indemnification of Avert from Careermag.com non compliance under FCRA

Avert Agrees to:

o    Assist with development of marketing materials and sales training materials

o    Provide sales support from its offices in Ft. Collins

o    Provide  additional  billable  sales  support  for  certain  accounts  when
     requested by Careermag.com

o    Perform  all  customer  set up  activities  within 48 hours of receipt of a
     "delivered customer" user agreement.

o    Upsell  Careermag.com  "delivered  customers"  with the same  frequency and
     urgency as its own direct customers.

o    Process  and  fulfill  orders in the same  manner and urgency as its direct
     customers

o    Provide  copies  of  all  compliance  documents  in  electronic  format  to
     Careermag.com for distribution to Careermag.com acquired clients.

o    Allow visits at Careermag.com option to Avert headquarters

o    Inform  Careermag.com of problems with Avert products or services,  changes
     in  products  and  services  and  required  changes in  marketing  or sales
     documents relating to changes in products and services

o    Assist  Careermag.com in integrating  Avert  OrderXpert into  Careermag.com
     processing environment.

o    Indemnification   of   Careermag.com   from  costs  associated  with  Avert
     non-compliance under the FCRA.


Events of Default and remedies of default

o    Either party may terminate  the  agreement for reasons of default.  Injured
     party will provide written  notification  of default.  The party in default
     shall have 30 days to remedy the default  condition prior to termination of
     the agreement.

o    Parties will treat each other's confidential  information as equivalent its
     own  confidential  material  for  five  years  from  the  receipt  of  such
     information.  Confidential  materials  do not  include  information  in the
     public domain or disclosed by third parties not a party to this  agreement.
     In the event of termination all confidential materials shall be returned to
     the owner party.



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o    Nether  party shall hire an employee of the other party  during the term of
     this agreement or for one year following the termination of this agreement.

o    Official   notification   for  each  party  shall  be  Gary  Resnikoff  for
     Careermag.com and Leonard Koch for Avert Inc.


Term and Termination

o    The term of the agreement shall be for one year with an automatic  one-year
     renewal  unless  either  party  provides  30 days prior  written  notice of
     cancellation. Cancellation may for any reason.

o    The agreement shall  terminate,  if not terminated as per the provisions of
     the agreement, after seven years from the effective date of the agreement.



----------------------------                --------------------------------
Gary Resnikoff                              Leonard Koch
President, Careermag.com                    VP Business Development, Avert. Inc.