Document:

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                                                                   EXHIBIT 10.19

                              SETTLEMENT AGREEMENT

         SETTLEMENT AGREEMENT, dated the 31st day of August, 2001, by and
between John A. Solomon, 15 Raven Road, Canton, MA 02021 ("JAS"), and
Enterprises Solutions, Inc., a Nevada corporation, with offices at 140 Wood
Road, Suite 200, Braintree, MA 02184 ("ESI").

         WHEREAS, JAS is the Chief Executive Officer and a director of ESI; and

         WHEREAS, JAS and ESI are parties to an Employment Agreement, dated
January 10, 2001 (the "Employment Agreement"); and

         WHEREAS, under the Employment Agreement and its predecessor employment
agreement, JAS has borrowed $750,000 from ESI (the "Loan"); and

         WHEREAS, JAS is entitled to certain compensation levels and stock
issuances under the Employment Agreement; and

         WHEREAS, JAS holds options expiring March 19, 2003 to purchase 100,000
shares of common stock, par value $.001 per share, of ESI ("ESI Common Stock"),
at an exercise price of $6.25 per share (the "Options"); and

         WHEREAS, ESI has agreed to sell substantially all of its assets to
Delta Mutual, Inc., a Delaware corporation ("Delta"), in exchange for shares of
Common Stock of Delta (the "Transaction"), pursuant to an Agreement of Sale, as
amended (the "Agreement of Sale"); and

         WHEREAS, Delta has filed a registration statement under the Securities
Act of 1933, as amended, on Form S-4 with respect to the Transaction; and

         WHEREAS, immediately prior to and contingent on the closing of the
Transaction following the special meeting of ESI stockholders (the "Closing"),
JAS wishes to terminate the Employment Agreement and release ESI from all claims
by him thereunder in exchange for a five-year warrant to purchase an aggregate
of 2,000,000 shares of ESI common stock at an exercise price of $1.00 (one
dollar) per share, such warrant to be substantially in the form of Exhibit A
hereto (the "Warrant"); and

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         WHEREAS, Delta has agreed to assume the Options and the Warrant in
connection with the Transaction; and

         WHEREAS, JAS recognizes that the Loan will be assigned to Delta by ESI
in connection with the Transaction; and

         WHEREAS, each of the parties could attempt to assert claims against the
other party; and

         WHEREAS, the parties desire to resolve all potential disputes with this
Settlement Agreement.

         NOW, THEREFORE, in consideration of the agreements and covenants
contained herein, and other good and valuable consideration, the receipt and
sufficiency of which is hereby acknowledged, it is agreed by and between the
parties as follows:

         1. Settlement of Obligations. The parties shall make full settlement of
outstanding obligations under the Agreement as follows:

         A. Employment Agreement. Effective immediately prior to and contingent
on the Closing of the Transaction, the Employment Agreement shall be terminated.

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         B. Issuance of Warrant. In full settlement of all JAS's claims against
ESI under the Employment Agreement, ESI shall immediately prior to and
contingent on the Closing of the Transaction issue to JAS the Warrant.

         C. Assignment of the Loan to Delta and Assumption of Options and
Warrant. At the Closing of the Transaction, ESI shall assign the Loan to Delta
and Delta shall assume the Options and the Warrant, as provided in the Agreement
of Sale.

         2. Release by JAS. In consideration for ESI's issuance of the Warrant
and the agreements of ESI made as provided herein, JAS, as releasor, remises,
releases and forever discharges ESI, its respective agents, representatives,
directors, officers, counsel, and successors and assigns, jointly and severally,
from any and all debts, demands, actions, causes of action, suits, damages,
claims and liabilities based on matters of whatever kind or nature, known or
unknown, suspected or unsuspected, accrued or unaccrued, whether in law, equity
or otherwise, and whether under contract, warranty, tort or otherwise, which JAS
ever had, now has or may have, claim or assert from the beginning of the world
to the date of this Settlement Agreement, excepting for the obligations of ESI
under this Settlement Agreement.

                                     - 3 -
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         3. Release by ESI. In consideration of the agreements of JAS made as
provided herein, ESI, as releasor, remises, releases and forever discharges JAS,
his respective agents, representatives, successors and assigns, jointly and
severally, from any and all debts, demands, actions, causes of action, suits,
damages, claims and liabilities based on matters relating to the Agreement of
whatever kind or nature, known or unknown, suspected or unsuspected, accrued or
unaccrued, whether in law, equity or otherwise, and whether under contract,
warranty, tort or otherwise, which ESI ever had, now has or may have, claim or
assert from the beginning of the world to the date of this Settlement Agreement,
excepting for the obligations of JAS under this Settlement Agreement.

         4. Confidential Treatment. Except as required by law or applicable
regulation, including applicable disclosure requirements under the Securities
Exchange Act of 1934, as amended, or the Securities Act of 1933, as amended,
this Settlement Agreement, and the terms hereof, shall be maintained in
confidence by the parties and shall not be disclosed to any third party. Neither
JAS nor ESI shall discuss this Settlement Agreement nor any of the transactions
leading up to this Settlement Agreement with any other person, other than their
respective counsel.

         4. Agreement Represents Compromise. This Settlement Agreement
represents a compromise of disputed claims and is not to be deemed or construed
to be an admission of liability or of the truth of any fact on the part of any
party. By this Settlement Agreement, the parties intend merely to avoid the
potential for protracted dispute.

         5. Governing Law. This Settlement Agreement shall be construed under
the laws of the State of Nevada pertaining to contracts made and to be performed
in Nevada.

                                     - 4 -
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         6. Entire Agreement. This Settlement Agreement embodies the entire
agreement of the parties on the subject matter hereof and supersedes and
replaces all prior agreements between the parties regarding these matters. It
may not be changed or modified orally, but only by a writing signed by each of
the parties to be bound by such changes or modification.

                                     - 5 -
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         7. Counterparts. This Settlement Agreement may be executed in one or
more counterparts, each of which shall be deemed to be an original, but all of
which taken together shall constitute one and the same instrument.

         IN WITNESS WHEREOF, the parties have set their hands and seals to this
Settlement Agreement which is effective as of the day and year first above
written.

                                     ENTERPRISES SOLUTIONS, INC.

                                     By: /s/ Alfred T. Saker
                                        ---------------------------
                                        Title: Treasurer

                                          /s/ John A. Solomon
                                     -----------------------------
                                            John A. Solomon

                                       1
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                                                                       EXHIBIT A

NEITHER THIS WARRANT NOR THE SHARES ISSUABLE UPON EXERCISE HEREOF HAVE BEEN
REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE "SECURITIES ACT")
OR ANY OTHER APPLICABLE SECURITIES LAWS IN RELIANCE UPON AN EXEMPTION FROM THE
REGISTRATION REQUIREMENTS OF THE SECURITIES ACT AND SUCH OTHER SECURITIES LAWS.
NEITHER THIS WARRANT NOR THE SHARES ISSUABLE UPON EXERCISE HEREOF MAY BE SOLD,
PLEDGED, TRANSFERRED, ENCUMBERED OR OTHERWISE DISPOSED OF EXCEPT PURSUANT TO AN
EFFECTIVE REGISTRATION STATEMENT UNDER THE SECURITIES ACT OR IN A TRANSACTION
WHICH IS EXEMPT FROM REGISTRATION UNDER THE PROVISIONS OF THE SECURITIES ACT.

                             STOCK PURCHASE WARRANT

                 To Purchase 2,000,000 Shares of Common Stock of

                           ENTERPRISES SOLUTIONS, INC.

                  THIS CERTIFIES that, for value received, John A. Solomon (the
"Holder"), is entitled, upon the terms and subject to the conditions hereinafter
set forth, at any time prior to the close of business on August 31, 2006 (the
"Termination Date") but not thereafter, to subscribe for and purchase from
Enterprises Solutions, Inc., a corporation incorporated in Nevada (the
"Company"), up to Two Million (2,000,000) shares (the "Warrant Shares") of
Common Stock, $.001 par value, of the Company (the "Common Stock"). The purchase
price of one share of Common Stock (the "Exercise Price") under this Warrant
shall be One Dollar ( $1.00). The Exercise Price and the number of shares for
which the Warrant is exercisable shall be subject to adjustment as provided
herein.

                                       2
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         1. Title to Warrant. Prior to the Termination Date and subject to
compliance with applicable laws, this Warrant and all rights hereunder are
transferable, in whole or in part, at the office or agency of the Company by the
holder hereof in person or by duly authorized attorney, upon surrender of this
Warrant together with the Assignment Form annexed hereto properly endorsed.

         2. Authorization of Shares. The Company covenants that all shares of
Common Stock which may be issued upon the exercise of rights represented by this
Warrant will, upon exercise of the rights represented by this Warrant, be duly
authorized, validly issued, fully paid and nonassessable and free from all
taxes, liens and charges in respect of the issue thereof (other than taxes in
respect of any transfer occurring contemporaneously with such issue).

         3. Exercise of Warrant. Except as provided in Section 4 herein,
exercise of the purchase rights represented by this Warrant may be made at any
time or times at or before the close of business on the Termination Date by the
surrender of this Warrant and the Notice of Exercise Form annexed hereto duly
executed, at the office of the Company (or such other office or agency of the
Company as it may designate by notice in writing to the registered holder hereof
at the address of such holder appearing on the books of the Company) and upon
payment of the Exercise Price of the shares thereby purchased by wire transfer
or cashier's check drawn on a United States bank, the holder of this Warrant
shall be entitled to receive a certificate for the number of shares of Common
Stock so purchased. Certificates for shares purchased hereunder shall be
delivered to the holder hereof within three (3) Trading Days after the date on
which this Warrant shall have been exercised as aforesaid. This Warrant shall be
deemed to have been exercised and such certificate or certificates shall be
deemed to have been issued, and Holder or any other person so designated to be
named therein shall be deemed to have become a holder of record of such shares
for all purposes, as of the date the Warrant has been exercised by payment to
the Company of the Exercise Price and all taxes required to be paid by Holder,
if any, pursuant to Section 5 prior to the issuance of such shares, have been
paid. If this Warrant shall have been exercised in part, the Company shall, at
the time of delivery of the certificate or certificates representing Warrant
Shares, deliver to Holder a new Warrant evidencing the rights of Holder to
purchase the unpurchased shares of Common Stock called for by this Warrant,
which new Warrant shall in all other respects be identical with this Warrant.
The Holder shall have the right to a "cashless exercise" in which the Holder
shall be entitled to receive a certificate for the number of shares equal to the
quotient obtained by dividing [(A-B) (X)] by (A), where:

(A) = the average of the high and low trading prices per share of Common Stock
on the Trading Day preceding the date of such election;

(B) =  the Exercise Price of the Warrant; and

(X) = the number of shares issuable upon exercise of the Warrant in accordance
with the terms of this Warrant.

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         4. No Fractional Shares or Scrip. No fractional shares or scrip
representing fractional shares shall be issued upon the exercise of this
Warrant. As to any fraction of a share which Holder would otherwise be entitled
to purchase upon such exercise, the Company shall pay a cash adjustment in
respect of such final fraction in an amount equal to the Exercise Price.

         5. Charges, Taxes and Expenses. Issuance of certificates for shares of
Common Stock upon the exercise of this Warrant shall be made without charge to
the holder hereof for any issue or transfer tax or other incidental expense in
respect of the issuance of such certificate, all of which taxes and expenses
shall be paid by the Company, and such certificates shall be issued in the name
of the holder of this Warrant or in such name or names as may be directed by the
holder of this Warrant; provided, however, that in the event certificates for
shares of Common Stock are to be issued in a name other than the name of the
holder of this Warrant, this Warrant when surrendered for exercise shall be
accompanied by the Assignment Form attached hereto duly executed by the holder
hereof; and the Company may require, as a condition thereto, the payment of a
sum sufficient to reimburse it for any transfer tax incidental thereto.

         6. Closing of Books. The Company will not close its shareholder books
or records in any manner which prevents the timely exercise of this Warrant.

         7. Transfer, Division and Combination. (a) Subject to compliance with
any applicable securities laws, transfer of this Warrant and all rights
hereunder, in whole or in part, shall be registered on the books of the Company
to be maintained for such purpose, upon surrender of this Warrant at the
principal office of the Company, together with a written assignment of this
Warrant substantially in the form attached hereto duly executed by Holder or its
agent or attorney and funds sufficient to pay any transfer taxes payable upon
the making of such transfer. Upon such surrender and, if required, such payment,
the Company shall execute and deliver a new Warrant or Warrants in the name of
the assignee or assignees and in the denomination or denominations specified in
such instrument of assignment, and shall issue to the assignor a new Warrant
evidencing the portion of this Warrant not so assigned, and this Warrant shall
promptly be cancelled. A Warrant, if properly assigned, may be exercised by a
new holder for the purchase of shares of Common Stock without having a new
Warrant issued.

            (b) This Warrant may be divided or combined with other Warrants upon
presentation hereof at the aforesaid office of the Company, together with a
written notice specifying the names and denominations in which new Warrants are
to be issued, signed by Holder or its agent or attorney. Subject to compliance
with Section 7(a), as to any transfer which may be involved in such division or
combination, the Company shall execute and deliver a new Warrant or Warrants in
exchange for the Warrant or Warrants to be divided or combined in accordance
with such notice.

                                       4
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            (c) The Company shall prepare, issue and deliver at its own expense
(other than transfer taxes) the new Warrant or Warrants under this Section 7.

            (d) The Company agrees to maintain, at its aforesaid office, books
for the registration and the registration of transfer of the Warrants.

         8. No Rights as Shareholder until Exercise. This Warrant does not
entitle the holder hereof to any voting rights or other rights as a shareholder
of the Company prior to the exercise hereof. Upon the surrender of this Warrant
and the payment of the aggregate Exercise Price, the Warrant Shares so purchased
shall be and be deemed to be issued to such holder as the record owner of such
shares as of the close of business on the later of the date of such surrender or
payment.

         9. Loss, Theft, Destruction or Mutilation of Warrant. The Company
covenants that upon receipt by the Company of evidence reasonably satisfactory
to it of the loss, theft, destruction or mutilation of this Warrant certificate
or any stock certificate relating to the Warrant Shares, and in case of loss,
theft or destruction, of indemnity or security reasonably satisfactory to it
(which shall not include the posting of any bond), and upon surrender and
cancellation of such Warrant or stock certificate, if mutilated, the Company
will make and deliver a new Warrant or stock certificate of like tenor and dated
as of such cancellation, in lieu of such Warrant or stock certificate.

         10. Saturdays, Sundays, Holidays, etc. If the last or appointed day for
the taking of any action or the expiration of any right required or granted
herein shall be a Saturday, Sunday or a legal holiday, then such action may be
taken or such right may be exercised on the next succeeding day not a Saturday,
Sunday or legal holiday.

         11. Adjustments of Exercise Price and Number of Warrant Shares. (a)
Stock Splits, etc. The number and kind of securities purchasable upon the
exercise of this Warrant and the Exercise Price shall be subject to adjustment
from time to time upon the happening of any of the following. In case the
Company shall (i) pay a dividend in shares of Common Stock or make a
distribution in shares of Common Stock to holders of its outstanding Common
Stock, (ii) subdivide its outstanding shares of Common Stock into a greater
number of shares of Common Stock, (iii) combine its outstanding shares of Common
Stock into a smaller number of shares of Common Stock or (iv) issue any shares
of its capital stock in a reclassification of the Common Stock, then the number
of Warrant Shares purchasable upon exercise of this Warrant immediately prior
thereto shall be adjusted so that the holder of this Warrant shall be entitled
to receive the kind and number of Warrant Shares or other securities of the
Company which he would have owned or have been entitled to receive had such
Warrant been exercised in advance thereof. Upon each such adjustment of the kind
and number of Warrant Shares or other securities of the Company which are
purchasable hereunder, the holder of this Warrant shall thereafter be entitled
to purchase the number of Warrant Shares or other securities resulting from such
adjustment at an Exercise Price per Warrant Share or other security obtained by
multiplying the Exercise Price in effect immediately prior to such adjustment by
the number of Warrant Shares purchasable pursuant hereto immediately prior to
such adjustment and dividing by the number of Warrant Shares or other securities
of the Company resulting from such adjustment. An adjustment made pursuant to
this paragraph shall become effective immediately after the effective date of
such event retroactive to the record date, if any, for such event.

                                       5
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            (b) Reorganization, Reclassification, Merger, Consolidation or
Disposition of Assets. In case the Company shall reorganize its capital,
reclassify its capital stock, consolidate or merge with or into another
corporation (where the Company is not the surviving corporation or where there
is a change in or distribution with respect to the Common Stock of the Company),
or sell, transfer or otherwise dispose of all or substantially all its property,
assets or business to another corporation and, pursuant to the terms of such
reorganization, reclassification, merger, consolidation or disposition of
assets, shares of common stock of the successor or acquiring corporation, or any
cash, shares of stock or other securities or property of any nature whatsoever
(including warrants or other subscription or purchase rights) in addition to or
in lieu of common stock of the successor or acquiring corporation ("Other
Property"), are to be received by or distributed to the holders of Common Stock
of the Company, then Holder shall have the right thereafter to receive, upon
exercise of this Warrant, the number of shares of common stock of the successor
or acquiring corporation or of the Company, if it is the surviving corporation,
and Other Property receivable upon or as a result of such reorganization,
reclassification, merger, consolidation or disposition of assets by a holder of
the number of shares of Common Stock for which this Warrant is exercisable
immediately prior to such event. In case of any such reorganization,
reclassification, merger, consolidation or disposition of assets, the successor
or acquiring corporation (if other than the Company) shall expressly assume the
due and punctual observance and performance of each and every covenant and
condition of this Warrant to be performed and observed by the Company and all
the obligations and liabilities hereunder, subject to such modifications as may
be deemed appropriate (as determined in good faith by resolution of the Board of
Directors of the Company) in order to provide for adjustments of shares of
Common Stock for which this Warrant is exercisable which shall be as nearly
equivalent as practicable to the adjustments provided for in this Section 11.
For purposes of this Section 11, "common stock of the successor or acquiring
corporation" shall include stock of such corporation of any class which is not
preferred as to dividends or assets over any other class of stock of such
corporation and which is not subject to redemption and shall also include any
evidences of indebtedness, shares of stock or other securities which are
convertible into or exchangeable for any such stock, either immediately or upon
the arrival of a specified date or the happening of a specified event and any
warrants or other rights to subscribe for or purchase any such stock. The
foregoing provisions of this Section 11 shall similarly apply to successive
reorganizations, reclassifications, mergers, consolidations or disposition of
assets.

                                       6
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         12. Voluntary Adjustment by the Company. The Company may at any time
during the term of this Warrant, reduce the then current Exercise Price to any
amount and for any period of time deemed appropriate by the Board of Directors
of the Company.

         13. Notice of Adjustment. Whenever the number of Warrant Shares or
number or kind of securities or other property purchasable upon the exercise of
this Warrant or the Exercise Price is adjusted, as herein provided, the Company
shall promptly mail by registered or certified mail, return receipt requested,
to the holder of this Warrant notice of such adjustment or adjustments setting
forth the number of Warrant Shares (and other securities or property)
purchasable upon the exercise of this Warrant and the Exercise Price of such
Warrant Shares (and other securities or property) after such adjustment, setting
forth a brief statement of the facts requiring such adjustment and setting forth
the computation by which such adjustment was made. Such notice, in the absence
of manifest error, shall be conclusive evidence of the correctness of such
adjustment.

         14. Notice of Corporate Action. If at any time:

                  (a) the Company shall take a record of the holders of its
Common Stock for the purpose of entitling them to receive a dividend or other
distribution, or any right to subscribe for or purchase any evidences of its
indebtedness, any shares of stock of any class or any other securities or
property, or to receive any other right, or

                  (b) there shall be any capital reorganization of the Company,
any reclassification or recapitalization of the capital stock of the Company or
any consolidation or merger of the Company with, or any sale, transfer or other
disposition of all or substantially all the property, assets or business of the
Company to, another corporation or,

                  (c) there shall be a voluntary or involuntary dissolution,
liquidation or winding up of the Company;

then, in any one or more of such cases, the Company shall give to Holder (i) at
least 30 days' prior written notice of the date on which a record date shall be
selected for such dividend, distribution or right or for determining rights to
vote in respect of any such reorganization, reclassification, merger,
consolidation, sale, transfer, disposition, liquidation or winding up, and (ii)
in the case of any such reorganization, reclassification, merger, consolidation,
sale, transfer, disposition, dissolution, liquidation or winding up, at least 30
days' prior written notice of the date when the same shall take place. Such
notice in accordance with the foregoing clause also shall specify (i) the date
on which any such record is to be taken for the purpose of such dividend,
distribution or right, the date on which the holders of Common Stock shall be
entitled to any such dividend, distribution or right, and the amount and
character thereof, and (ii) the date on which any such reorganization,
reclassification, merger, consolidation, sale, transfer, disposition,
dissolution, liquidation or winding up is to take place and the time, if any
such time is to be fixed, as of which the holders of Common Stock shall be
entitled to exchange their shares of Common Stock for securities or other
property deliverable upon such disposition, dissolution, liquidation or winding
up. Each such written notice shall be sufficiently given if addressed to Holder
at the last address of Holder appearing on the books of the Company and
delivered in accordance with Section 16(d).

                                       7
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         15. Authorized Shares. The Company covenants that during the period the
Warrant is outstanding, it will reserve from its authorized and unissued Common
Stock a sufficient number of shares to provide for the issuance of the Warrant
Shares upon the exercise of any purchase rights under this Warrant. The Company
further covenants that its issuance of this Warrant shall constitute full
authority to its officers who are charged with the duty of executing stock
certificates to execute and issue the necessary certificates for the Warrant
Shares upon the exercise of the purchase rights under this Warrant. The Company
will take all such reasonable action as may be necessary to assure that such
Warrant Shares may be issued as provided herein without violation of any
applicable law or regulation, or of any requirements of the Principal Market
upon which the Common Stock may be listed.

         The Company shall not by any action, including, without limitation,
amending its certificate of incorporation or through any reorganization,
transfer of assets, consolidation, merger, dissolution, issue or sale of
securities or any other voluntary action, avoid or seek to avoid the observance
or performance of any of the terms of this Warrant, but will at all times in
good faith assist in the carrying out of all such terms and in the taking of all
such actions as may be necessary or appropriate to protect the rights of Holder
against impairment. Without limiting the generality of the foregoing, the
Company will (a) not increase the par value of any shares of Common Stock
receivable upon the exercise of this Warrant above the amount payable therefor
upon such exercise immediately prior to such increase in par value, (b) take all
such action as may be necessary or appropriate in order that the Company may
validly and legally issue fully paid and nonassessable shares of Common Stock
upon the exercise of this Warrant, and (c) use its best efforts to obtain all
such authorizations, exemptions or consents from any public regulatory body
having jurisdiction thereof as may be necessary to enable the Company to perform
its obligations under this Warrant.

         Upon the request of Holder, the Company will at any time during the
period this Warrant is outstanding acknowledge in writing, in form reasonably
satisfactory to Holder, the continuing validity of this Warrant and the
obligations of the Company hereunder.

         Before taking any action which would cause an adjustment reducing the
current Exercise Price below the then par value, if any, of the shares of Common
Stock issuable upon exercise of the Warrants, the Company shall take any
corporate action which may be necessary in order that the Company may validly
and legally issue fully paid and non-assessable shares of such Common Stock at
such adjusted Exercise Price.

         Before taking any action which would result in an adjustment in the
number of shares of Common Stock for which this Warrant is exercisable or in the
Exercise Price, the Company shall obtain all such authorizations or exemptions
thereof, or consents thereto, as may be necessary from any public regulatory
body or bodies having jurisdiction thereof.

                                       8
<PAGE>

         16. Miscellaneous.

                  (a) Jurisdiction. This Warrant shall be binding upon any
successors or assigns of the Company. This Warrant shall constitute a contract
under the laws of Nevada without regard to its conflict of law, principles or
rules.

                  (b) Restrictions. The holder hereof acknowledges that the
Warrant Shares acquired upon the exercise of this Warrant, if not registered,
will have restrictions upon resale imposed by state and federal securities laws.

                  (c) Nonwaiver and Expenses. No course of dealing or any delay
or failure to exercise any right hereunder on the part of Holder shall operate
as a waiver of such right or otherwise prejudice Holder's rights, powers or
remedies, notwithstanding all rights hereunder terminate on the Termination
Date.

                  (d) Notices. Any notice, request or other document required or
permitted to be given or delivered to Holder by the Company shall be delivered
by certified or express mail or courier to Holder at Holder's address as set
forth in the Company's records.

                  (e) Limitation of Liability. No provision hereof, in the
absence of affirmative action by Holder to purchase shares of Common Stock, and
no enumeration herein of the rights or privileges of Holder hereof, shall give
rise to any liability of Holder for the purchase price of any Common Stock or as
a stockholder of the Company, whether such liability is asserted by the Company
or by creditors of the Company.

                  (f) Successors and Assigns. Subject to applicable securities
laws, this Warrant and the rights and obligations evidenced hereby shall inure
to the benefit of and be binding upon the successors of the Company and the
successors and permitted assigns of Holder. The provisions of this Warrant are
intended to be for the benefit of all Holders from time to time of this Warrant
and shall be enforceable by any such Holder or holder of Warrant Shares.

                  (g) Amendment. This Warrant may be modified or amended or the
provisions hereof waived with the written consent of the Company and the Holder.

                  (h) Severability. Wherever possible, each provision of this
Warrant shall be interpreted in such manner as to be effective and valid under
applicable law, but if any provision of this Warrant shall be prohibited by or
invalid under applicable law, such provision shall be ineffective to the extent
of such prohibition or invalidity, without invalidating the remainder of such
provisions or the remaining provisions of this Warrant.

                                       9
<PAGE>

                  (i) Headings. The headings used in this Warrant are for the
convenience of reference only and shall not, for any purpose, be deemed a part
of this Warrant.

         IN WITNESS WHEREOF, the Company has caused this Warrant to be executed
by its officer thereunto duly authorized.

Dated: ________, 2001
                                 ENTERPRISES SOLUTIONS, INC.

                                 By:_________________________________

                                       10
<PAGE>

                               NOTICE OF EXERCISE

To:      Enterprises Solutions, Inc.

         (1) The undersigned hereby elects to purchase ________ shares of Common
Stock (the "Common Stock"), of Enterprises Solutions, Inc. pursuant to the terms
of the attached Warrant, and tenders herewith payment of the exercise price in
full, together with all applicable transfer taxes, if any.

         (2) Please issue a certificate or certificates representing said shares
of Common Stock in the name of the undersigned or in such other name as is
specified below:

                  ----------------------------------------
                  (Name)

                  ----------------------------------------
                  (Address)

                  ----------------------------------------

Dated:

                                   ------------------------------
                                   Signature

                                 ASSIGNMENT FORM

                    (To assign the foregoing warrant, execute
                   this form and supply required information.
                 Do not use this form to exercise the warrant.)

         FOR VALUE RECEIVED, the foregoing Warrant and all rights evidenced
thereby are hereby assigned to

<PAGE>

___________________________________________________ whose address is

____________________________________________________________________.

____________________________________________________________________

                                               Dated:  ______________, _______

                  Holder's Signature: _____________________________

                  Holder's Address:   _____________________________

                                      _____________________________

Signature Guaranteed:  ___________________________________________

NOTE: The signature to this Assignment Form must correspond with the name as it
appears on the face of the Warrant, without alteration or enlargement or any
change whatsoever, and must be guaranteed by a bank or trust company. Officers
of corporations and those acting in an fiduciary or other representative
capacity should file proper evidence of authority to assign the foregoing
Warrant.

                                       2NICKLEBYS.COM, INC.

                             STOCK OPTION AGREEMENT

     THIS STOCK  OPTION  AGREEMENT  (the  "Agreement")  is made and entered into
effective as of the 30th day of December,  1999,  by and between  Nicklebys.com,
Inc., a Colorado corporation (the "Company"),  899 Broadway, Suite #200, Denver,
Colorado 80203, and Mark Crossen (the "Optionee").

     The Company  desires to provide the  Optionee  an  opportunity  to purchase
shares of its common stock,  $.0001 par value per share (the "Common Stock"), as
hereinafter provided.

     NOW, THEREFORE, in consideration of the mutual covenants and agreements set
forth herein, the receipt and sufficiency of which are hereby acknowledged,  the
parties hereto agree as follows:

     This Option and the Common Stock issuable upon exercise  hereof are subject
to the terms and conditions hereinafter set forth:

     1.   Definitions.   As  used in this  Agreement,  the following terms shall
          ------------
mean:

          (a)   "Board" - the Board of Directors of the Company.

          (b)   "Common Stock" -  the Common  Stock, $.0001 par value per share,
of the Company.

          (c)   "Company" -  Nicklebys.com,  Inc.,  899  Broadway,  Suite  #200,
Denver, Colorado 80203.

          (d)   "Effective Date" - December 30, 1999.

          (e)   "Optionee" - Mark Crossen.

          (g)   "Exercise  Period" -  from   December  30,  1999,  through   and
including December 29, 2004.

          (h)   "Expiration Date" - December 29, 2004.

          (i)   "Option" -  The right to purchase shares of Common Stock of  the
Company as  provided  herein,  and any  options  delivered  in  substitution  or
exchange therefor, as provided herein.

          (j)   "Purchase Price" - $.66 per share.

          (k)   "Shares" - 80,000 shares of Common Stock of the Company.

                                        1
<PAGE>

          (l)   "Subscription  and  Acknowledgment  Form" - The form attached to
this Agreement as Exhibit "A."

     2.   Grant  of  Option.    Subject  to  the  terms and  conditions of  this
          -----------------
Agreement,  the Company  hereby grants to the Optionee the right to purchase all
or any part of an aggregate  of 80,000  shares of Common Stock of the Company at
the  Purchase  Price set forth in  Section 3 hereof and in  accordance  with the
schedule  set forth in  Section  5  hereof.  This  right to  purchase  Shares is
hereinafter referred to as the "Option."

     3.   Purchase Price.   The purchase price of the shares of Common Stock of
          --------------
the Company  issuable  pursuant to the exercise of this Option shall be $.66 per
Share (the "Purchase Price.")

     4.   Term of Option.   Notwithstanding  anything to  the contrary contained
          --------------
in this Agreement,  no option granted  hereunder shall be exercisable  after the
expiration of the Expiration Date.

     5.   Exercise.
          --------

          (a)   Time of Exercise.   This  Option may  be exercised commencing on
                ----------------
the Effective  Date,  in whole or in part (but not as to a fractional  share) at
the  principal  executive  offices of the  Company,  at any time or from time to
time,  through and including  December 29, 2004;  provided,  however,  that this
Option shall expire and be null and void if not  exercised in the manner  herein
provided by 5:00 p.m., Mountain Standard Time, on December 29, 2004.

          (b)   Manner of Exercise.   This Option is exercisable at the Purchase
                ------------------
Price,  payable  in cash or by  cashier's  check  payable  to the  order  of the
Company,  subject to adjustment as provided in Section 6 hereof.  Upon surrender
of this  Option to the  Company  at its  principal  executive  offices  with the
annexed  Subscription  and  Acknowledgment  Form duly  executed,  together  with
payment of the  Purchase  Price for the  Shares  purchased  (and any  applicable
transfer taxes) at the Company's principal executive offices, the Optionee shall
be  entitled  to  receive  a  certificate  or  certificates  for the  Shares  so
purchased.  The Optionee hereby acknowledges and agrees to the taxable nature of
the event of the exercise of the Option and that the Optionee  will not hold the
Company responsible for the reporting or payment of such taxes.

          (c)   Delivery of Stock Certificates.   As  soon as  practicable,  but
                ------------------------------
not exceeding five days after complete or partial  exercise of this Option,  the
Company,  at its  expense,  shall cause to be issued in the name of the Optionee
(or  upon  payment  by  the  Optionee  of any  applicable  transfer  taxes,  the
Optionee's  assigns) a certificate or certificates  for the number of fully-paid
and  nonassessable  Shares to which the  Optionee  shall be  entitled  upon such
exercise,   together  with  such  other  stock  or  securities  or  property  or
combination  thereof to which the Optionee shall be entitled upon such exercise,
determined in accordance with Section 6 hereof.

          (d)   Record Date of Transfer of Shares.   Irrespective of the date of
                ---------------------------------
issuance and delivery of certificates for any stock or securities  issuable upon
the  exercise  of  this  Option,   each  person   (including  a  corporation  or

                                        2
<PAGE>

partnership)  in whose name any such  certificate  is to be issued shall for all
purposes  be  deemed  to have  become  the owner of record of the stock or other
securities represented thereby immediately prior to the close of business on the
date on which a duly executed Subscription Form containing notice of exercise of
this Option and payment of the Purchase Price is received by the Company.

     6.   Adjustment of Purchase Price.
          ----------------------------

     The Purchase Price shall be subject to adjustment as follows:

          (a)   In  case the Company  shall  (i) pay a dividend in shares of its
capital  stock (other than an issuance of shares of capital  stock to holders of
Common  Stock who have elected to receive a dividend in shares in lieu of cash),
(ii) subdivide its outstanding shares of Common Stock, (iii) reduce, consolidate
or combine  its  outstanding  shares of Common  Stock  into a smaller  number of
shares or (iv)  issue by  reclassification  of its  shares  of Common  Stock any
shares of the Company,  the Purchase Price in effect  immediately  prior thereto
shall be adjusted to that amount determined by multiplying the Purchase Price in
effect  immediately  prior to such date by a  fraction,  of which the  numerator
shall be the number of shares of Common  Stock  outstanding  on such date before
giving   effect  to  such   division,   subdivision,   reduction,   combination,
consolidation or stock dividend and of which the denominator shall be the number
of shares of Common Stock after giving effect thereto.  Such adjustment shall be
made  successively  whenever any such effective date or record date shall occur.
An  adjustment  made  pursuant to this  subsection  (a) shall  become  effective
retroactively  to the Effective  Date  immediately  after the record date in the
case of a dividend and shall become  effective  immediately  after the effective
date in the case of a  subdivision,  reduction,  consolidation,  combination  or
reclassification.

          (b)   In case the Company shall  issue rights  or options  to  all  or
substantially  all  holders of its  Common  Stock  entitling  them (for a period
expiring within 45 days after the record date mentioned  below) to subscribe for
or purchase shares of Common Stock (or securities convertible into Common Stock)
at a price per share (the "Offering  Price") less than the Purchase Price at the
record date mentioned  below, the Purchase Price shall be determined by dividing
the Purchase Price in effect immediately prior to such issuance by a fraction of
which the numerator shall be the number of shares of Common Stock outstanding on
the date of  issuance of such  rights or options  plus the number of  additional
shares of Common Stock offered for  subscription  or purchase,  and of which the
denominator  shall be the number of shares of Common  Stock  outstanding  on the
date of issuance of such rights or options  plus the number of shares  which the
aggregate Offering Price of the total number of shares so offered would purchase
at such fair market value. Such adjustment shall be made whenever such rights or
options are issued, and shall become effective retroactively,  immediately after
the record date for the  determination of shareholders  entitled to receive such
rights or options.

          (c)   In case the Company shall distribute to all or substantially all
holders of its Common Stock evidence of its indebtedness, shares of any class of
the Company's stock other than Common Stock or assets (excluding cash dividends)
or rights or options to  subscribe  for or  purchase  shares of Common  Stock or
securities  convertible  into  Common  Stock  (excluding  those  referred  to in
subsection  (b)  above),  then in each such  case the  Purchase  Price  shall be
determined by dividing the Purchase  Price in effect  immediately  prior to such

                                       3
<PAGE>

issuance by a fraction,  of which the numerator  shall be the Purchase  Price on
the date of such  distribution  and of which the denominator  shall be such fair
market value per share of the Common Stock,  less the then fair market value (as
determined  by the  Committee,  whose  determination  shall be  conclusive,  and
described  in a statement,  which will have the  applicable  resolutions  of the
Board of Directors  attached thereto,  filed with the Company) of the portion of
the assets or  evidences of  indebtedness  or shares so  distributed  or of such
subscription rights or options applicable to one share of the Common Stock. Such
adjustment shall be made whenever any such distribution is made and shall become
effective retroactively  immediately after the record date for the determination
of stockholders entitled to receive such distribution.

          (d)   If  the Common Stock issuable upon  the conversion of the Option
shall be changed  into the same or a different  number of shares of any class or
classes  of  stock,  whether  by  capital  reorganization,  reclassification  or
otherwise  (other than a subdivision  or combination of shares or stock dividend
provided for above, or a reorganization, merger, consolidation or sale of assets
provided  for in this  Section 6),  then,  and in each such event,  the Optionee
shall have the right  thereafter to convert such Option into the kind and amount
of shares of Common Stock and other securities and property receivable upon such
reorganization, reclassification or other change by the holders of the number of
shares of Common  Stock into which such  Option  might have been  converted,  as
reasonably   determined   by  the   Committee,   immediately   prior   to   such
reorganization, reclassification or change, all subject to further adjustment as
provided herein.

          (e)   If at any time or from time  to time  there  shall be a  capital
reorganization  of the Common  Stock  (other  than a  subdivision,  combination,
reclassification or exchange of shares provided for elsewhere in this Section 6)
or a merger or consolidation of the Company with or into another corporation, or
the sale of all or substantially  all of the Company's  properties and assets to
any other person  (except as provided for in Section  6(f)),  then, as a part of
such reorganization,  merger,  consolidation or sale, provision shall be made as
reasonably  determined by the Committee so that the Optionee shall thereafter be
entitled to receive  upon  conversion  of such  Option,  the number of shares of
stock or  other  securities  or  property  of the  Company  or of the  successor
corporation  resulting  from such merger or  consolidation  or sale,  to which a
holder of Common Stock  deliverable  upon conversion would have been entitled on
such capital reorganization, merger, consolidation or sale.

          (f)   The  adjustments provided  for in this Section 6  are cumulative
and shall apply to successive divisions, subdivisions, reductions, combinations,
consolidations,  issues,  distributions  or  other  events  contemplated  herein
resulting in any adjustment under the provisions of this Section; provided that,
notwithstanding  any other  provision  of this  Section,  no  adjustment  of the
Purchase  Price  shall be  required  unless  such  adjustment  would  require an
increase  or  decrease  of at least 1% in the  Purchase  Price  then in  effect;
provided,  however,  that any adjustments which by reason of this subsection (f)
are not  required to be made shall be carried  forward and taken into account in
any subsequent adjustment.

          (g)   Notwithstanding Sections 6(b) and (c) above, no adjustment shall
be made  in the  Purchase  Price  if  provision  is made  for  the  Optionee  to
participate  in such  distribution  as if the Optionee had  converted all of the
principal  balance of the Option  into  shares of Common  Stock at the  Purchase
Price in effect immediately prior to such distribution.

                                        4
<PAGE>

          (h)   Upon  each  adjustment  of the Purchase Price, the Company shall
give prompt written  notice thereof  addressed to the Optionee at the Optionee's
address as shown on the records of the  Company,  which  notice  shall state the
Purchase Price resulting from such  adjustment and the increase or decrease,  if
any, in the number of shares  issuable upon the  conversion  of such  Optionee's
Option,  setting forth in reasonable  detail the method of  calculation  and the
facts upon which such calculation is based.

          (i)   In  the  event  of  any  question  arising  with  respect to the
adjustments  provided  for in Section  6, such  question  shall be  conclusively
determined by an opinion of independent  certified public accountants  appointed
by the Company (who may be the auditors of the  Company) and  acceptable  to the
Optionee.  Such  accountants  shall have access to all necessary  records of the
Company,  and such  determination  shall be  binding  upon the  Company  and the
Optionee.

          (j)   The  Company  may,  in  its  sole  discretion  and  without  any
obligation to do so, reduce the Purchase  Price then in effect by giving fifteen
days' written notice to the Optionee. The Company may limit such reduction as to
its  temporal  duration  or may  impose  other  conditions  thereto  in its sole
discretion.

     7.   Acceleration of Right to Exercise Options.   Notwithstanding  anything
          -----------------------------------------
to the contrary contained herein regarding the time for exercise of this Option,
the following provisions shall apply:

          (a)   Mergers and Reorganizations.  If the Company or its shareholders
                ---------------------------
enter into an agreement to dispose of all or substantially  all of the assets of
the Company by means of a sale,  merger or other  reorganization or liquidation,
or  otherwise  in a  transaction  in  which  the  Company  is not the  surviving
corporation,  this Option shall become  immediately  exercisable with respect to
the full number of Shares subject to the Option during the period  commencing as
of the date of the  agreement  to  dispose  of all or  substantially  all of the
assets or stock of the  Company  and ending  when the  disposition  of assets or
stock  contemplated  by the agreement is consummated or this Option is otherwise
terminated in  accordance  with its  provisions,  whichever  occurs first.  This
Option shall not become  immediately  exercisable,  however,  if the transaction
contemplated in the agreement is a merger or reorganization in which the Company
will survive.

          (b)   Change in Control.   In  the  event  of  a change  in control or
                -----------------
threatened  change  in  control  of  the  Company,   this  Option  shall  become
immediately  exercisable.  The term  "change in  control,"  for purposes of this
Section,  shall  refer to the  acquisition  of 20 per cent or more of the voting
securities  of the Company by any person or by persons  acting as a group within
the  meaning of Section  13(d)(3) of the  Securities  Exchange  Act of 1934,  as
amended;  provided  that no change in  control or  threatened  change in control
shall be deemed to have  occurred if, prior to the  acquisition  of, or offer to
acquire,  20 per cent or more of the voting securities of the Company,  the full
Board of  Directors  shall  have  adopted  by not less  than  two-thirds  vote a
resolution  specifically  approving such acquisition or offer. The term "person"
refers,  for  purposes  of this  Section,  to an  individual  or a  corporation,
partnership,   trust,   association,   joint  venture,  pool,  syndicate,   sole

                                        5
<PAGE>

proprietorship,  unincorporated  organization  or any other  form of entity  not
specifically  listed herein.  Whether a change in control is threatened shall be
determined solely by the Committee.

     8.   Restrictions on Transfer.
          ------------------------

          (a)   This  Option may not  be sold, assigned, transferred, pledged or
otherwise  disposed of or encumbered in any manner  otherwise  than by will, the
laws of descent and distribution,  or pursuant to a qualified domestic relations
order as defined by the Code; provided, however, that the Optionee may assign or
transfer  this Option to members of his  immediate  family or to a trust for the
benefit of such members of his immediate  family and, during the lifetime of the
Optionee,  this Option may be exercised only by the Optionee or assignee, as the
case may be, or his legally  authorized  representative.  The Optionee shall not
have any right to sell,  assign,  transfer,  pledge or  otherwise  dispose of or
encumber this Option, and any attempted transfer,  sale,  assignment,  pledge or
encumbrance shall have no effect on the Company.  The Company may also require a
Optionee to furnish  evidence  satisfactory to the Company,  including a written
and  signed  representation  letter  and  consent  to be bound  by any  transfer
restrictions  imposed by law, legend,  condition or otherwise.  The Shares shall
not be issued with respect to any Option unless the exercise of the Option shall
comply  with the  terms  and  conditions  of the  Consulting  Agreement  and all
relevant  provisions of federal and state law,  including without limitation the
Securities  Act of 1933,  as  amended,  the  rules and  regulations  promulgated
thereunder and the  requirements of any stock exchange upon which the Shares may
then be listed,  and shall be further subject to the approval of counsel for the
Company with respect to such compliance.

          (b)   The  Optionee, by  his acceptance  hereof,  represents,  opines,
covenants  and agrees that (i) the  Optionee  has  knowledge of the business and
affairs of the Company,  and (ii) this Option is being  acquired for  investment
and not with a view to the  distribution  hereof and that,  absent an  effective
registration statement under the Securities Act of 1933, as amended (the "Act"),
covering  the  disposition  of this  Option,  it will not be sold,  transferred,
assigned,  hypothecated  or otherwise  disposed of without  first  providing the
Company  with an opinion of counsel  (which may be counsel  for the  Company) or
other evidence,  reasonably  acceptable to the Company,  to the effect that such
sale, transfer, assignment,  hypothecation or other disposal will be exempt from
the  registration and prospectus  delivery  requirements of the Act, as amended,
and the  registration  or  qualification  requirements  of any applicable  state
securities  laws.  The  Optionee  consents  to the making of a  notation  in the
Company's  records  or giving to any  transfer  agent of the  Option an order to
implement such restriction on transferability.

          This  Option shall  bear the  following legend or a  legend of similar
import; provided, however, that such legend shall be removed, or not placed upon
the Option if such legend is no longer  necessary to assure  compliance with the
Act:

     "THIS OPTION HAS NOT BEEN REGISTERED WITH THE UNITED STATES  SECURITIES AND
     EXCHANGE COMMISSION OR THE SECURITIES COMMISSION OF ANY STATE BECAUSE IT IS
     BELIEVED  TO BE EXEMPT  FROM  REGISTRATION  UNDER THE ACT.  THIS  OPTION IS

                                        6
<PAGE>

     "RESTRICTED" AND MAY NOT BE RESOLD OR TRANSFERRED EXCEPT AS PERMITTED UNDER
     THE ACT PURSUANT TO REGISTRATION OR EXEMPTION THEREFROM."

     9.   Information to Optionee.   The Company shall furnish to the Optionee a
          -----------------------
copy of the annual  report,  proxy  statements and all other reports sent to the
Company's  shareholders.  Upon written request, the Company shall furnish to the
Optionee  a copy of its  most  recent  Annual  Report  on Form  10-KSB  and each
quarterly  report to  shareholders  issued since the end of the  Company's  most
recent fiscal year.

     10.  Payment of Taxes.  All Shares  issued upon the exercise of this Option
          ----------------
shall be validly issued,  fully-paid and nonassessable and the Company shall pay
all taxes and other  governmental  charges  (other  than income tax) that may be
imposed in respect of the issue or delivery  thereof.  The Company  shall not be
required, however, to pay any tax or other charge imposed in connection with any
transfer  involved in the issue of any  certificate for Shares in any name other
than that of the Optionee  surrendered  in connection  with the purchase of such
Shares,  and in such case the Company  shall not be required to issue or deliver
any stock  certificate  until  such tax or other  charge has been paid or it has
been  established to the Company's  satisfaction  that no tax or other charge is
due.

     11.  Reservation of Common Stock.  The  Company shall  at all times reserve
          ---------------------------
and keep available out of its  authorized  but unissued  shares of Common Stock,
solely for the purpose of issuance upon the exercise of this Option, such number
of shares of Common  Stock as shall be issuable  upon the exercise  hereof.  The
Company  covenants and agrees that,  upon exercise of this Option and payment of
the  Purchase  Price  thereof,  all Shares of Common  Stock  issuable  upon such
exercise shall be duly and validly issued, fully-paid and nonassessable.

     12.  Notices  to  Optionee.  Nothing  contained  in this  Option  shall  be
          ---------------------
construed as conferring upon the Optionee hereof the right to vote or to consent
or to receive notice as a shareholder in respect of any meetings of shareholders
for the  election  of  directors  or any other  matter or as having  any  rights
whatsoever as a shareholder of the Company. All notices, requests,  consents and
other  communications  hereunder shall be in writing and shall be deemed to have
been duly made when delivered or mailed by registered or certified mail, postage
prepaid, return receipt requested:

          (a)   If to the Optionee, to the address of such  Optionee as shown on
the books of the Company; or

          (b)   If to the Company,  to the  address set  forth in  Section  1(b)
hereof.

     13.  Replacement   of   Option.    Upon  receipt  of   evidence  reasonably
          -------------------------
satisfactory to the Company of the ownership of and the loss, theft, destruction
or mutilation of this Option and (in case of loss,  theft or  destruction)  upon
delivery of an indemnity  agreement in an amount reasonably  satisfactory to the
Company,  or (in the case of mutilation)  upon surrender and cancellation of the
mutilated Option,  the Company will execute and deliver,  in lieu thereof, a new
Option of like tenor.

                                        7
<PAGE>

     14.  Successors.  All  the  covenants,   agreements,   representations  and
          ----------
warranties  contained  in this Option  shall bind the  parties  hereto and their
respective  heirs,  executors,  administrators,   distributees,  successors  and
assigns.

     15.  Change;  Waiver.   Neither  this  Option  nor any  term hereof  may be
          ---------------
changed, waived,  discharged or terminated verbally but only by an instrument in
writing  signed by the party against which  enforcement  of the change,  waiver,
discharge or termination is sought.

     16.  Headings.   The  section  headings  in  this  Option  are inserted for
          --------
purposes of convenience only and shall have no substantive effect.

     17.  Law  Governing.  This Option shall for all  purposes be  construed and
          --------------
enforced in accordance  with, and governed by, the internal laws of the State of
Colorado, without giving effect to principles of conflict of laws.

     IN WITNESS WHEREOF,  the Company has caused this Option to be signed by its
duly  authorized  officer and this Option to be dated as of the date first above
written.

                                     NICKLEBYS.COM, INC.

                                     By:/s/ Bruce A. Capra
                                        ---------------------------------------
                                        Bruce A. Capra, Chief Executive Officer

                                        8
<PAGE>

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