Exhibit 10.70

                                    GUARANTY

     THIS GUARANTY,  made this 16th day of January,  2001, by DONALD D. CANNELLA
(hereinafter  referred to as the  "Guarantor"),  to and for the benefit of WELLS
FARGO BANK WEST,  N.A.,  TRUSTEE OF THE JAMES C. BERGER  ROLLOVER IRA  (formerly
Norwest  Bank  Colorado,  National  Association,  Trustee of the James C. Berger
Rollover IRA) ("BERGER"), JOHN M. VENTIMIGLIA  ("VENTIMIGLIA"),  ROBIN L. MORLEY
AND MARK E. MORLEY  (COLLECTIVELY  "MORLEY"),  and any  successor  holder of the
Notes  more  particularly  referred  to below  (Berger,  Ventimiglia  and Morley
hereinafter collectively referred to as the "Lender").

     1.00 RECITALS

          1.01 LOAN. OPEC Corp. and FutureOne,  Inc., (hereinafter  collectively
referred to as the  "Borrower") has applied to Lender to amend and extend a loan
in the principal amount of ONE MILLION DOLLARS  ($1,000,000.00)  and has applied
to  Berger  and  Ventimiglia  for a new loan in the  principal  amount  of THREE
HUNDRED THOUSAND DOLLARS ($300,000.00)  (hereinafter collectively referred to as
the "Loan") to be evidenced by Borrower's Second Amendment and Note (hereinafter
referred to  collectively  as the "Note"),  of even date herewith,  secured by a
Security Agreement (hereinafter referred to as the "Security Agreement") of even
date therewith.

          1.02  INDUCEMENT  FOR  GUARANTY.  Lender is unwilling to make the Loan
unless Guarantor  guarantees  payment of the Note and performance by Borrower of
each and every term, covenant, condition, and agreement contained therein and in
the Security  Agreement and under any and all other  agreements  executed by the
Borrower to or for the benefit of the Lender in connection  with the Loan on the
part  of  Borrower  to be  kept,  observed  or  performed.  The  Note,  Security
Agreement, and such other agreements are hereinafter collectively referred to as
the "Loan Documents." Guarantor desires to give such guaranty in order to induce
Lender to make the Loan.  Guarantor is a substantial  shareholder  in FutureOne,
Inc.,  and  FutureOne,  Inc.,  is the parent of OPEC Corp.,  and Guarantor has a
financial interest in the success of Borrower.

     2.00 GUARANTY, WAIVER, AND CONSENTS

          2.01 GUARANTY. Guarantor unconditionally and absolutely guarantees the
due and punctual payment of the principal of the Note, the interest thereon, and
any other  money due or which may become due under the Loan  Documents,  and the
due and  punctual  performance  and  observance  by Borrower of any other terms,
covenants,  and  conditions of the Loan Documents on the part of the Borrower to
be kept, observed, or performed, whether according to the present terms thereof,
at any earlier or accelerated date or dates as provided therein,  or pursuant to
any extension of time or to any change or changes in the terms,  covenants,  and
conditions  thereof (other than an increase in the principal of, or interest on,
the Note), now or at any time hereafter made or granted.

          2.02 WAIVER AND CONSENTS.  Guarantor  waives  diligence,  presentment,
protest, notice of dishonor, demand for payment,  extension of time for payment,
notice of acceptance of this Guaranty,  nonpayment at maturity,  and indulgences
and  notice  of  every  kind,  and  consents  to any  and all  forbearances  and
extensions  of the time for  payment of the Note or  performance  under the Loan
Documents, and to any and all changes in the terms, covenants, and conditions of
the Loan Documents hereafter made or granted,  and to any and all substitutions,
exchanges,  or releases of all or any part of the collateral therefor. It is the
intention  hereof that Guarantor  shall remain liable  hereunder  until the full
amount of the principal of the Note, with interest, and any other sums due or to
become due under the Loan Documents,  shall have been fully paid, and the terms,
covenants  and  conditions  of the Loan  Documents  shall have been fully  kept,
observed, and performed by Borrower  notwithstanding any act, omission, or thing
which might otherwise operate as a legal or equitable discharge of Guarantor.
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     3.00 AGREEMENTS AND COVENANTS OF GUARANTOR

          3.01 NO SUBROGATION.  Guarantor  agrees that he shall have no right of
subrogation whatsoever with respect to the Loan Documents, or to original moneys
due and unpaid thereon,  or any collateral  securing the same,  unless and until
Lender  shall  have  received  payment  in full of all sums due  under  the Loan
Documents.

          3.02  ENFORCEMENT.  This  Guaranty  may be enforced by Lender  without
first  resorting to or exhausting  any other  security or collateral and without
first having  recourse to the Note or any of the  remedies  provided by the Loan
Documents  through   foreclosure   proceedings  or  otherwise.   Nothing  herein
contained,  however, shall prevent Lender from suing on the Note, or foreclosing
the  Security  Agreement,  or from  exercising  any other  rights under the Loan
Documents.  If such  foreclosure  or other  remedy is availed  of,  only the net
proceeds  therefrom,  after  deduction of all charges and expenses of every kind
and nature  whatsoever,  shall be applied in  reduction of the amount due on the
Note and/or the other Loan Documents.  Lender shall not be required to institute
or prosecute  proceedings  to recover any  deficiency  as a condition of payment
hereunder or enforcement  hereof.  At any sale of the security or collateral for
the  indebtedness  or any part  thereof,  whether by  foreclosure  or otherwise,
Lender may at its discretion purchase all or any part of such collateral so sold
or offered for sale for its own  account  and may apply the amount bid  therefor
against  the  balance  due it pursuant to the terms of the Note and/or the other
Loan Documents.

          3.03 EXPENSES OF ENFORCEMENT.  ln the event this Guaranty is placed in
the hands of an attorney for  enforcement,  Guarantor will reimburse  Lender for
all expenses incurred in connection  therewith,  including reasonable attorney's
fees.

     4.00 MISCELLANEOUS

          4.01 SUCCESSORS AND ASSIGNS.  This Guaranty shall inure to the benefit
and may be  enforced  by Lender,  and any  subsequent  holder of the Note and/or
beneficiary  under  the  Security  Agreement  and  shall  be  binding  upon  and
enforceable against the legal representatives, heirs, and assigns of Guarantor.

          4.02 NO ALTERATION OF OTHER  DOCUMENTS.  No provision of this Guaranty
shall be construed to alter or amend the Loan Documents,  or to relieve Borrower
of any duties or obligations under the Loan Documents.

          4.03 WORD  MEANINGS.  As used herein the  singular  shall  include the
plural,  the plural the singular,  and the use of any gender shall be applicable
to all genders.

          4.04 JOINT OBLIGATION. In the event that more than one person or party
shall execute this Guaranty as the Guarantor  herein,  this agreement shall bind
all persons and parties jointly and severally.

          4.05 COLORADO LAW;  VENUE.  This Guaranty and the terms and provisions
hereof shall be governed by and construed  according to the laws of the State of
Colorado,  without regard to principles of conflict of laws. Any suit hereon may
be brought and prosecuted in the courts of El Paso County, Colorado.

          4.06 REMEDIES CUMULATIVE. Guarantor hereby agrees with Lender that all
rights,  remedies,  and recourses afforded to Lender by reason of this Guaranty,
or  otherwise,  are  separate  and  cumulative  and may be  pursued  separately,
successively  or  concurrently,  as  occasion  therefor  shall  occur,  and  are
nonexclusive and shall in no way limit or prejudice any other legal or equitable
right, remedy or recourse which Lender may have.

          4.07 CAPTIONS. The captions herein are for reference purposes only.

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          WITNESS the execution  hereof by the Guarantor and the affixing of the
Guarantor's seal.


                                     GUARANTOR:


                                     /s/ Donald D. Cannella
                                     ------------------------------------ (SEAL)
                                     Donald D. Cannella