Document:

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                                                                   Exhibit 10.25

                               GUARANTY AGREEMENT

This Guaranty Agreement (the "Guaranty"), dated as of August 11, 1999, is
entered into by and between Radian Guaranty Inc. ("Radian"), a Pennsylvania
domiciled insurance company, and Amerin Guaranty Corporation ("Amerin"), an
Illinois domiciled insurance company.

                                   WITNESSETH:

WHEREAS, Amerin and Radian are wholly owned subsidiaries of Radian Group Inc., a
Delaware domiciled insurance holding company; and

WHEREAS, both parties desire to be awarded claims paying ability ratings of "AA"
by Standard & Poor's and Duff & Phelps Credit Rating Company and "Aa3" by
Moody's Investors Services, Inc.; and

WHEREAS, each party is willing to guaranty the capacity of the other party to
pay all legitimate insurance and reinsurance claims of such other party on a
timely basis to the extent that such other party fails or is unable to satisfy
such claims in full and as is necessary for such other party to be awarded the
aforementioned claims paying ability ratings; and

WHEREAS, the corporate interests of Radian, Amerin and Radian Group Inc. will be
enhanced by entering into this Guaranty.

NOW, THEREFORE, in consideration of the foregoing, the parties do hereby agree
as follows:

SECTION 1. RADIAN GUARANTY. Radian UNCONDITIONALLY AND IRREVOCABLY GUARANTEES to
Amerin, for the benefit of the owners of insurance and reinsurance contracts
issued by Amerin (the "Amerin's Insureds"), that it will during the term of this
Guaranty, on demand by Amerin, make funds available in cash to Amerin for the
full and complete payment when due of all claims, obligations and liabilities of
Amerin including all claims made under all insurance or reinsurance contracts
issued or assumed by Amerin (collectively, the "Guaranteed Amerin Obligations").
This Guaranty shall inure to the benefit of all of Amerin's Insureds and they
are hereby made third-party beneficiaries and may directly claim upon and
enforce the obligations of Radian hereunder as provided herein. This Guaranty
shall include the full and complete payment of the amount of any claim on any
Guaranteed Amerin Obligation paid by Amerin which is subsequently voided in
whole or in part as a preferential payment under applicable law, including
proceedings in bankruptcy, insolvency, reorganization or other similar laws
affecting creditor's rights generally.

SECTION 2. AMERIN GUARANTY. Amerin UNCONDITIONALLY AND IRREVOCABLY GUARANTEES to
Radian, for the benefit of the owners of insurance and reinsurance contracts
issued by Radian (the "Radian's Insureds"), that it will during the term of this
Guaranty, on demand by Radian, make funds available in cash to Radian for the
full and complete payment when due of all claims, obligations and liabilities of
Radian including all claims made under all insurance or reinsurance contracts
issued or assumed by Radian (collectively, the Guaranteed Radian Obligations").
This Guaranty shall inure to the benefit of all of Radian's Insureds and they
are
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hereby made third-party beneficiaries and may directly claim upon and enforce
the obligations of Amerin hereunder as provided herein. This Guaranty shall
include the full and complete payment of the amount of any claim on any claim on
any Guaranteed Radian Obligation paid by Radian which is subsequently voided in
whole or in part as a preferential payment under applicable law, including
proceedings in bankruptcy, insolvency, reorganization or other similar laws
affecting creditor's rights generally.

SECTION 3. OBLIGATIONS UNCONDITIONAL. The obligations under this Guaranty are
irrevocable and unconditional to the fullest extent permitted by applicable law,
irrespective of any other circumstance whatsoever which might otherwise
constitute a legal or equitable discharge of a surety or guarantor, including
fraud in the inducement or fact; the intent of this Guaranty being that the
obligations hereunder shall be absolute and unconditional under all
circumstances and shall not be discharged except by payment as provided for
herein. In order to confirm that a payment hereunder is permitted by applicable
law, the parties hereto shall provide at least thirty days prior notice of such
payment to the insurance department of the state in which the party obliged to
make such payment is domiciled. Radian and Amerin hereby expressly waive
diligence, presentment, notice of acceptance and any requirement that the other
party hereto exhaust any right, remedy or proceed against any obligor.

SECTION 4. SUBROGATION. Each party hereby unconditionally agrees that until the
payment and satisfaction in full of all payments guaranteed hereby, it shall not
exercise any right or remedy arising by reason of any performance by it of this
Guaranty, whether by subrogation or otherwise, against the other party.

SECTION 5. NO WAIVER. No failure on the part either party hereto to exercise, no
delay in exercising, and no course of dealing with respect to, any right or
remedy hereunder will operate as a waiver thereof, nor will any single or
partial exercise of any right or remedy hereunder preclude any other further
exercise thereof or the exercise of any other right or remedy.

SECTION 6. CONTINUING EFFECT; ASSIGNMENT. This Guaranty is a continuing
guarantee and it:

         (i) shall apply to all insurance or reinsurance contracts issued or
         assumed by the parties during the term of this Guaranty;

         (ii) shall remain in full force and effect until payment in full of
         such contractual liabilities;

         (iii) shall be binding upon the parties, their successors and assigns;

         (iv) shall, notwithstanding the insolvency of Amerin nor any payment
         made by Radian to Amerin or a liquidator, receiver or conservator
         thereof, inure to the benefit of, and be enforceable by, Amerin's
         Insureds, its successors and assigns, to the extent of claims on
         Guaranteed Amerin Obligations which are not satisfied by Amerin; and

         (v) shall, notwithstanding the insolvency of Radian nor any payment
         made by Amerin to Radian or a liquidator, receiver or conservator
         thereof, inure to the benefit of, and be

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         enforceable by, Radian's Insureds, their successors and assigns, to the
         extent of claims on Guaranteed Radian Obligations which are not
         satisfied by Radian.

SECTION 7. RANK. The obligations of each party hereunder are intended to rank
equally with all other policy obligations of such party, whether now or
hereafter outstanding and which are not otherwise contractually subordinated.

SECTION 8. CONSIDERATION. Each party has entered into this Guaranty in
consideration of the other party entering into this Guaranty.

SECTION 9. EFFECTIVE DATE, AMENDMENT, MODIFICATION OR TERMINATION. The term of
this Guaranty shall commence on the date noted in the first paragraph hereof.
This Guaranty may not be amended or modified provided, however, either party may
terminate its obligations hereunder by giving written notice of such termination
to the other party, at least thirty (30) days prior to such termination. Such
notice shall also be provided to each of the three aforementioned rating
agencies, which will also be provided thirty (30) days' prior written notice of
any amendment or modification. Such termination shall not affect each party's
continuing liability with respect to obligations guaranteed prior to the date of
termination.

IN WITNESS WHEREOF, the parties hereto have duly executed and delivered this
Guaranty as of the day and year first above written.

RADIAN GUARANTY INC.

By:      _____________________________
Title:   _____________________________

AMERIN GUARANTY CORPORATION

By:      _____________________________
Title:   _____________________________

                                                                               31MAGE SOFTWARE, INC.
                             DAVID R. DEYOUNG
                           EMPLOYMENT AGREEMENT
                              1 NOVEMBER 1999

This agreement made as of the 1st day of November, 1999, by and between
1MAGE Software, Inc., (ISI), located at 6025 S. Quebec St. Englewood,
Colorado and David R. DeYoung (Employee).

                                 RECITALS

WHEREAS, ISI desires to assure itself of the service of Employee and to
that end desires to enter into a contract of employment with him, upon the
terms and
conditions herein set forth and
WHEREAS, Employee is desirous of entering into such a contract of
employment on the terms and conditions set forth herein,

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

1.    EMPLOYMENT. ISI hereby employs Employee and the Employee hereby
accepts employment upon the terms and conditions hereinafter set forth.
Although ISI may not and does not legally bind itself that Employee shall
have the title of President and CEO, the Board which has authorized this
Agreement has elected him to that office to serve in accordance with the
Company's Bylaws, and it is the present intention of the Board to retain
and continue him in that position.

2.   TERM. Subject to the provisions for termination as hereinafter
provided, the term of this Agreement shall begin on the date of this
Agreement and shall terminate on October 31, 2002. This Agreement can
thereafter be modified annually by mutual consent of both parties.

3.   COMPENSATION.
     a.    SALARY. For all services rendered by this Agreement, Company
will pay Employee an annual salary of One Hundred Thirty Eight Thousand
Dollars ($138,000), such salary to be paid in equal amounts in accordance
with ISI's payroll policy. This salary may be adjusted from time to time
by mutual agreement on the basis of the value of Employee's services to
Company and for unusual absences from duty because of illness, accident,
or time spent in other activities on leaves of absence; and any such
adjustments may increase or decrease said annual salary.

     b.    BONUS. Employee will be paid a quarterly bonus based on the
financial performance of the Company. This bonus will be paid at the rate
of 5% of the Company's accumulative pre-tax profit. The bonus will be
adjusted for bonus amounts paid in prior quarters of the same fiscal year.
An additional, annual bonus may be paid to the Employee, based on the
performance of the Company and at the discretion of the Board of
Directors.

     c.   INCENTIVE OPTIONS. Upon the authorization of this agreement, the
Board will grant Employee options to purchase 60,000 shares under the
current equity incentive plan, with the strike price being the FMV of the
stock as of the date of grant. The options are to vest immediately.

     d.   PRE-EMPTIVE OPTIONS. The Board shall grant a sufficient number
of ten year options to the Employee under the Equity Incentive Plan or
otherwise as are necessary to permit him to retain the same percentage of
beneficial ownership interest in ISI as he held on December 31, 1998.

4.    EXPENSES. ISI shall reimburse Employee for all business expenses
incurred in pursuit of the business of ISI, upon presentation by the
Employee from time to time of an itemized account of such expenditures in
accordance with the standard policies of ISI.

5.    VACATION. Employee shall be entitled each year to a vacation of six
weeks, which shall be taken on a pre-scheduled basis.

6.   FRINGE BENEFITS. ISI shall pay for the Employee in the regular fringe
benefit plan available to ISI employees, including medical, disability,
and life insurance. Benefits incurred during the previous term of the
previous Employment Agreement will not be reduced by this Agreement.

7.    EXTENT OF SERVICES. Employee shall devote his time, attention and
energies to managing ISI and shall not during the term of this Agreement
be engaged in any other business activity whether or not such business
activity is pursued for gain, profit, or other pecuniary advantage; but
this shall not be construed as preventing the Employee from investing his
assets in such form or manner as will not require substantial service on
the part of the Employee in the operation of the affairs of the companies
in which investments are made.

8.    DUTY OF LOYALTY. During the term of employment under this Agreement
and thereafter, Employee will neither disclose any confidential
information as to ISI nor at any time remove or retain without Company's
express consent any figures, calculations, letters, papers, or other
confidential information of any type or description. Furthermore, Employee
binds himself to the terms of the ISI standard agreement relating to
protection of trade secrets.

9.   DEATH DURING EMPLOYMENT. Should Employee die during the term of his
employment, ISI shall pay to the estate of the Employee the compensation,
which would otherwise be payable to the Employee for six months after the
date on which his death occurs. In addition, all bonuses earned prior to
Employee's date of death shall be paid to Employee's estate.

10.  TERMINATION OTHER THAN BY DEATH.
     a.   Employment under this Agreement will terminate for reasons other
than death of Employee upon the first of the following events to occur:
          i.    in the absence of any breach, upon not less than sixty
     (60) days' written notice by either party to the other party or
          ii.   upon not less than three (3) days' written notice by the
     non-breaching party to the other party upon any breach of any of the
     obligations provided herein.

     b.   For purposes of clause 10.a.ii,
          i.    breach by Employee will include, but not be limited to:
     failure to perform duties or refusal to obey legal direction or
     instruction of the Board, substance abuse (including any use of an
     illegal substance), dishonesty, acts of moral turpitude, fraud,
     defalcation, and illegal acts and
          ii.   breach by Company will include, but not be limited to:
     failure to pay Employee as agreed and knowingly issuing illegal
     instructions or directions to Employee.

11. RIGHTS UPON TERMINATION.
     a.    In the event employment under this Agreement is terminated:
          i.    by the Company pursuant to the terms of clause 10.a.i, or
     by Employee pursuant to clause 10.a.ii, the Company will pay Employee
     as liquidated damages the greater of (A) that pro rata portion
     remaining under this Agreement based on Employee's annual salary as
     set out herein or (B) one year's cash compensation (salary and bonus)
     or
          ii.  by Employee pursuant to the terms of clause 10.a.i, above,
     or by the Company pursuant to clause 10.a.ii, above, the Company will
     pay Employee that pro rata portion of Employee's annual salary up to
     and including the date of termination of employment.

     b.    For all purposes of this section 11, the term "salary" will
include accrued and un-forfeited but unpaid vacation, but exclude unused
sick leave. In any event, reimbursable expenses will be paid up through
the date of termination in accordance with the provisions of paragraph 4,
above.
     c.    In the circumstances of clause 11.a.i,
          i.    all incentive compensation and bonus compensation
     established by a written plan is to continue through the full term of
     employment under this Agreement and
          ii.  the Employee shall receive immediate vesting of any and all
     outstanding options and warrants, which shall remain exercisable by
     Employee for a period of twelve months from the effective date of
     termination.  In the circumstances of clause 11.a.ii, all incentive
     and bonus compensation is to terminate as of the first day of the
     month following the date of termination.

     d.    Notwithstanding the foregoing, should termination occur within
two years of a change in control of ISI, such termination will be treated
as having been by the Company pursuant to the terms of clause 10.a.i,
regardless of the actual circumstances of termination.

     e.    Termination pursuant to Section 12 will be treated as having
been by the Employee pursuant to the terms of clause 10.a.i, regardless of
the actual circumstances of termination.

12.   DISABILITY. Should Employee become Disabled during the term of
employment, Employee's base salary and other benefits shall continue at
the same rate and in the same manner as on the date of such disability.
Should Employee remain disabled for six consecutive months, the Company,
at its option, may thereafter, upon written notice to Employee or
Employee's personal representative, terminate the employment, subject,
however, to Employee's right to receive disability benefits under the
Company's general employee disability insurance policy and under any
supplemental disability policy provided to Employee. If Employee receives
any disability payments from any insurance policies paid for by the
Company, the annual base salary, the severance amount, and bonuses due to
Employee hereunder shall be reduced by the amount of any payments received
by Employee from such disability insurance policies.

13.   NOTICES. Any notice required or permitted to this Agreement must be
in writing and delivered by certified US mail to the parties of this
Agreement.

14.   WAIVER OF BREACH. The waiver by ISI of a breach of any provision of
this Agreement by the Employee shall not operate or be construed as a
waiver of any subsequent breach by the Employee.

15.  ASSIGNMENT. The rights and obligations of ISI under this Agreement
shall inure to the benefit of and shall be binding upon the successors and
assigns of ISI. The rights and obligations of the Employee under its
Agreement shall inure to the benefit of and shall be binding upon the
Employee's heirs, successors, and assigns, except that Employee's
obligation to perform such further services and rights to receive payment
therefore are expressly declared to be non-assignable and non-
transferable.

16.   SEVERABILITY. Should any part of this agreement be found by a Court
of competent jurisdiction to be void or against public policy, such part
is to be deleted; but the contract, as so amended, is to remain in full
force and effect.

17.  ARBITRATION. If any controversy or claim arising out of this contract
cannot be settled by the parties, the controversy or claim must be
submitted to mediation under the Mediation Rules of the Judicial Arbiter
Group of Denver, Colorado (JAG). Should the mediation not be successful in
resolving the issue, the matter will be submitted to arbitration in
accordance with the rules of the JAG then in effect (as modified herein).
The discovery rules, including sanctions, of the Federal Rules of Civil
Procedure are to be applied in any such arbitration, modified as may be
necessary in the opinion of the arbitrator(s) to give effect to the JAG
rules governing timeliness.

18.  ENTIRE AGREEMENT. This instrument contains the entire Agreement of
the parties. It may not be changed orally but only by an agreement in
writing signed by the party against whom enforcement of any waiver,
change, modification, extension or discharge is sought.

IN WITNESS WHEREOF, the parties have executed this agreement on this 1st
day of October 1999.

EMPLOYEE:                               1MAGE SOFTWARE, INC.

/s/David R. DeYoung                     /s/Mary Anne DeYoung
David R. DeYoung, individually          Mary Anne DeYoung, Vice-President

                                        ATTEST:

                                        /s/Robert Wiegand II
                                        Robert Wiegand II, Secretary

RATIFIED BY THE COMPENSATION COMMITTEE:

/s/Robert Wiegand II                    /s/Richard A. Knapp
Robert Wiegand II                       Richard A. Knapp

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