Exhibit 10.72

                    SECOND AMENDMENT TO EMPLOYMENT AGREEMENT

This amendment shall change and amend that certain Employment  Agreement between
FutureOne,  Inc., a Nevada corporation,  OPEC CORP., a Colorado  Corporation and
Ralph  Zanck,  dated  January  14,  2000 and  effective  December  6,  1999 (the
"Original Agreement).

1)   The  parties  agree that  Section 1 of the  Employment  Agreement  shall be
     changed as the follows, effective immediately

     EMPLOYMENT  DUTIES.  The  Company  hereby  employs  Employee to perform the
     following duties as Chief Financial Officer and Treasurer.

     a.   Perform all duties as Chief  Financial  Officer and  Treasurer  of the
          Company,  to  supervise  the  management  of the day to day  financial
          affairs  of  the  Company  and  all  of  its  subsidiaries,  including
          preparation of financial statements,  payment of invoices, billing and
          collections,  payroll  preparation  and preparation of other financial
          reports,  and to carry out any  other  duties  assigned  to him by the
          President of the Company. Coordinate audits of the Company's books, by
          the  Company's  auditors,  filings  with the SEC and other  government
          agencies, and preparation and filing of tax returns.

2)   The parties  agree that  Section 4a of the  Employment  Agreement  shall be
     deleted in its  entirety  and changed to read as follows,  effective  as of
     December 6, 1999.

          a.   "ANNUAL  SALARY.  Annual  salary  shall  be  One  Hundred  Twenty
               Thousand  ($120,000.00),  effective January 1, 2000,  $100,000 of
               which  shall  be  payable  in  equal  installments  based  on the
               Company's  normal  pay  periods  and  $20,000  shall  be  paid in
               quarterly payments of Five Thousand  ($5,000.00),  which shall be
               paid 75 days after the end of each fiscal quarter  starting March
               15, 2001.  Company will  provide  Employee  with a $600 per month
               auto allowance effective February 2001"

4)   The parties  agree that  section 4c of the  Employment  Agreement  shall be
     changed as the follows, effective immediately:

          Management  bonus  provision at the end of each fiscal year  effective
          September  30, 2001 based upon  meeting  certain  defined  objectives,
          which shall be mutually agreed upon by the Employee and the President.

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Page 2 Second Amendment to Executive Employment Agreement

4)   The parties  agree that  section 7d of the  Employment  Agreement  shall be
     changed as the follows, effective immediately:

     d.   "WITHOUT  CAUSE.  The Company may terminate  without cause and for any
          reason  Employee's  employment upon ninety (90) days written notice to
          Employee.  The notice  shall  increase  to two  hundred ten (210) days
          after  Employee's  relocation  to Colorado.  If Employee is terminated
          without cause he shall be entitled to be paid, his  compensation up to
          the actual date of termination  and benefits  actually due Employee up
          to the date of termination.

5)   The only  current  and  future  change to  existing  employee  options  and
     warrants is that 333,000 of the warrants  issued on October 1, 2000 vest on
     the earlier of October 1, 2001 or date of employee termination.

6)   Company  continues to provide  reasonable  housing expenses through date of
     employee  relocation.  Company  to  pay  employee  relocation  expenses  as
     mutually agreed upon by the Employee, and the President.

These are the only changes to the  Employment  Agreement and all other terms and
conditions of the Employment Agreement shall remain in full force and effect.

Agreed as of the 24th day of January 2001.


FutureOne, Inc.                             Employee


By
   -----------------------------------      ------------------------------------
   President


OPEC CORP.


By
   -----------------------------------
   President

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