Document:

Exhibit 4.6

                        TRANSATLANTIC HOLDINGS, INC.

                           STOCK OPTION AGREEMENT

                          (2000 STOCK OPTION PLAN)

     Agreement, dated December 2000, between Transatlantic Holdings, Inc.
("TRH") and __________ (the "Employee"), an employee of TRH or of a
subsidiary of TRH.

     The parties hereto agree as follows:

     1. Grant of Option. TRH hereby grants to the Employee under the
Transatlantic Holdings, Inc. 2000 Stock Option Plan (the "Plan"), a copy of
which is appended as Appendix A and the terms and conditions of which are
incorporated herein by reference, an option to purchase all or any part of
_____ shares of TRH Common Stock (the "Stock") at a price of $_____ per
share at any time after one year from the date hereof as to 25% of such
shares, after two years from the date hereof as to 50% of such shares,
after three years from the date hereof as to 75% of such shares and after
four years from the date hereof as to 100% of such shares or at such
earlier time as provided in the Plan, but not after the expiration of ten
years from the date hereof.

     2. Exercisability of Option. This option is not transferable by the
Employee otherwise than by will or the laws of decent and distribution, and
is exercisable during the lifetime of the Employee only by the Employee.

     3. The Employees agrees with and represents to TRH that he will remain
in the employ of and render his services to TRH or a subsidiary of TRH for
a period of at least one year from the date hereof, provided, however, that
this agreement does not confer upon the Employee any right to be retained
in the employ of TRH or any subsidiary of TRH.

     4. The Employee will notify TRH promptly of the disposition of any
shares purchased pursuant to this option which are disposed of within two
years from the date the option was granted to him, or within one year from
the date the shares were transferred to him. For purposes of the
notification required by the preceding sentence, the word "disposition"
shall have the meaning as defined in Section 425(c) of the Internal Revenue
Code of 1986, as amended.

     5. With respect to _____ shares, this option is intended to be an
"incentive stock option" within the meaning of Section 422 of the Internal
Revenue code of 1986, as amended. With respect to _____ shares, this option
is intended to be a non-qualified option.

     6. Consent to Jurisdiction. (a) TRH AND EMPLOYEE HEREBY IRREVOCABLY
SUBMIT TO THE EXCLUSIVE JURISDICTION OF ANY STATE OR FEDERAL COURT LOCATED
IN THE COUNTY OF NEW YORK OVER ANY ACTION, SUIT OR PROCEEDING ARISING OUT
OF OR RELATING TO OR CONCERNING THE PLAN OR THE OPTION. TRH and the
Employee acknowledge that the forum designated by this Paragraph 6(a) has a
reasonable relation the Plan and the Option and the Employee's relationship
with TRH. Notwithstanding the foregoing, nothing herein shall preclude TRH
from bringing any action, suit or proceeding in any other court for the
purpose of enforcing the provisions of this Paragraph 6.

     (b) The agreement by TRH and the Employee as to forum is independent
of the law that may be applied in the action, suit or proceeding and TRH
and the Employee (i) agree to such forum even if the forum may under
applicable law choose to apply non-forum law, (ii) hereby waive, to the
fullest extent permitted by applicable law, any objection which TRH or the
Employee now or hereafter may have to personal jurisdiction or to the
laying of venue of any such action, suit or proceeding in any court
referred to in Paragraph 6(a), (iii) undertake not to commence any action,
suit or proceeding arising out of or relating to or concerning the Plan in
any forum other than a forum described in this Paragraph 6 and (iv) agree
that, to the fullest extent permitted by applicable law, a final and
non-appealable judgment in any such action, suit or proceeding in any such
court shall be conclusive and binding upon TRH and the Employee.

     (c) The Employee, as a condition to the Employee's participation in
the Plan and receipt of the Option, irrevocably appoints the Corporate
Secretary of TRH as the Employee's agent for service of process in
connection with any action, suit or proceeding arising out of or relating
to the Plan or the Option, who shall promptly advise the Employee of any
such service of process.

     (d) The Employee hereby agrees to keep confidential the existence of,
and any information concerning, a dispute described in this Paragraph 6,
except that the Employee may disclose information concerning such dispute
to the court that is considering such dispute or to the Employee's legal
counsel (provided that such counsel agrees not to disclose any such
information other than as necessary to the prosecution or defense of the
dispute).

     (e) The Employee recognizes and agrees that prior to being selected to
participate in the Plan the Employee has no right to any benefits
hereunder. Accordingly, in consideration of the Employee's selection to
participate in the Plan, the Employee expressly waives any right to contest
the number of options granted to him or her, the terms of the Plan or the
Option or any determination, action or omission under the Plan or the
Option by TRH, TRH's Board of Directors or a committee thereof.

                                    TRANSATLANTIC HOLDINGS, INC.

Attest:                                By:
       -----------------------            ------------------------
       Secretary                          President

                                    EMPLOYEE

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

                                    Address:

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

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

                                    ------------------------------
                                    Social Security Number<PAGE>

                                                                     EXHIBIT 4.1

THESE SECURITIES MAY NOT BE PUBLICLY OFFERED OR SOLD UNLESS AT THE TIME OF SUCH
OFFER OR SALE, THE PERSON MAKING SUCH OFFER OR SALE DELIVERS A PROSPECTUS
MEETING THE REQUIREMENTS OF SECTION 10 OF THE SECURITIES ACT OF 1933 FORMING A
PART OF A REGISTRATIOCustomer ServiceFinancial Printing GroupTHESE SECURITIES
MAY NOT BE PUBLICLY OFFERED OR SOLD UNLESS AT THE TIME OF SUCH OFFER OR SALE,
THE PERSON MAKING SUCH OFFER OR SALE DELIVERS A PROSPECTUS MEETING THE
REQUIREMENTS OF SECTION 10 OF THE SECURITIES ACT OF 1933 FORMING A PART OF A
REGISTRATION STATEMENT, OR POST-EFFECTIVE AMENDMENT THERETO, WHICH IS EFFECTIVE
UNDER SAID ACT, UNLESS IN THE OPINION OF COUNSEL TO THE COMPANY SUCH OFFER AND
SALE IS EXEMPT FROM THE PROVISIONS OF SECTION 5 OF SAID ACT.

                                    WARRANT

                  For the Purchase of Shares of Common Stock
                                      of
                         ONE VOICE TECHNOLOGIES, INC.

                       Void After 5 P.M. January 5, 2001

No. 1

Warrant to Purchase One Hundred Fifty-Six Thousand Two Hundred Fifty (156,250)
Shares of common stock, $0.001 par value per share ("Common Stock") of One Voice
Technologies, Inc., a Nevada corporation (the "Company").

     THIS IS TO CERTIFY, that, for value received, VERITAS SG INVESTMENTS (the
"Holder") is entitled, subject to the terms and conditions hereinafter set
forth, on or after January 5, 2000 and at any time prior to 5 P.M., San Diego,
California Time ("PST"), on January 5, 2001, but not thereafter, to purchase
such number of shares of Common Stock (the "Shares") of the Company, from the
Company as is set forth above and upon payment to the Company of $8.00 per Share
(the "Purchase Price"), if and to the extent this Warrant is exercised, in whole
or in part, during the period this Warrant remains in force, subject in all
cases to adjustment as provided in Section 2 hereof, and to receive a
certificate or certificates representing the Shares so purchased, upon
presentation and surrender to the Company of this Warrant, with the form of
subscription attached hereto, including changes thereto reasonably requested by
the Company, duly executed, and accompanied by payment of the Purchase Price of
each Share.

SECTION 1.
                             Terms of this Warrant

    1.1  Time of Exercise.  Subject to the provisions of Sections 1.4 and 3.1
hereof, this Warrant may be exercised at any time and from time to time after
9:00 A.M., San Diego, California Time, on January 5, 2000 (the "Exercise
Commencement Date"), but no later than 5:00 P.M., San Diego, California Time,
January 5, 2001 (the "Expiration Time") at which it shall become null and void,
and all rights hereunder shall thereupon cease.
<PAGE>

    1.2  Manner of Exercise.

         1.2.1  The Holder of this Warrant may exercise this Warrant, in whole
or in part, upon surrender of this Warrant with the form of subscription
attached hereto duly executed, to the Company at its corporate office in San
Diego, California, together with the full Purchase Price for each Share to be
purchased in lawful money of the United States, or by certified check, bank
draft or postal or express money order payable in United States dollars to the
order of the Company, and upon compliance with and subject to the conditions set
forth herein.

         1.2.2  Upon receipt of this Warrant with the form of subscription duly
executed and accompanied by payment of the aggregate Purchase Price for the
Shares for which this Warrant is then being exercised, the Company shall cause
to be issued certificates for the total number of whole Shares for which this
Warrant is being exercised in such denominations as are required for delivery to
the Holder, and the Company shall thereupon deliver such certificates to the
Holder or its nominee.

         1.2.3  In case the Holder shall exercise this Warrant with respect to
less than all of the Shares that may be purchased under this Warrant, the
Company shall execute a new Warrant for the balance of the Shares that may be
purchased upon exercise of this Warrant and deliver such new Warrant to the
Holder.

         1.3 Holder as Owner. Prior to due presentment for registration of
transfer of this Warrant, the Company may deem and treat the Holder as the
absolute owner of this Warrant (notwithstanding any notation of ownership or
other writing hereon) for the purpose of any exercise hereof and for all other
purposes, and the Company shall not be affected by any notice to the contrary.

         1.4  Transfer and Assignment. This Warrant may not be sold,
hypothecated, assigned, transferred or otherwise disposed of, without the prior
written consent of the Company.

         1.5 Rights of Holder. Nothing contained in this Warrant shall be
construed as conferring upon the Holder 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. If, however, at any time prior to
the expiration of this Warrant and prior to its exercise, any of the following
shall occur:

             (1)  the Company shall take a record of the holders of its shares
of Common Stock for the purpose of entitling them to receive a dividend or
distribution payable otherwise than in cash,

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<PAGE>

or a cash dividend or distribution payable otherwise than out of current or
retained earnings; as indicated by the accounting treatment of such dividend or
distribution on the books of the Company; or

             (2)  the Company shall offer to the holders of its Common Stock any
additional shares of capital stock of the Company or securities convertible into
or exchangeable for shares of capital stock of the Company, or any option, right
or warrant to subscribe therefor; or

             (3)  there shall be proposed any capital reorganization or
reclassification of the Common Stock, or a sale of all or substantially all of
the assets of the Company, or a consolidation or merger of the Company with
another entity; or

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

then, in any one or more of said cases, the Company shall cause to be mailed to
the Holder, at the earliest practicable time (and, in any event, not less than
ten (10) days before any record date or other date set for definitive action),
written notice of the date on which the books of the Company shall close or a
record shall be taken to determine the shareholders entitled to such dividend,
distribution, convertible or exchangeable securities or subscription rights, or
entitled to vote on such reorganization, reclassification, sale, consolidation,
merger, dissolution, liquidation or winding up, as the case may be.  Such notice
shall also set forth such facts as shall indicate the effect of such action (to
the extent such effect may be known at the date of such notice) on the Purchase
Price and the kind and amount of the Shares and other securities and property
deliverable upon exercise of this Warrant.  Such notice shall also specify the
date as of which the holders of the Common Stock of record shall participate in
said distribution or subscription rights or shall be entitled to exchange their
Common Stock for securities or other property deliverable upon such
reorganization, reclassification, sale, consolidation, merger, dissolution,
liquidation or winding up, as the case may be (on which date, in the event of
voluntary or involuntary dissolution, liquidation or winding up of the Company,
the right to exercise this Warrant shall terminate). Without limiting the
obligation of the Company to provide notice to the holder of actions hereunder,
it is agreed that failure of the Company to give notice shall not invalidate
such action of the Company.

    1.6  Lost Certificates.  If this Warrant is lost, stolen, mutilated or
destroyed, the Company shall, on such reasonable terms as to indemnity or
otherwise as it may impose (which shall, in the

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<PAGE>

case of a mutilated Warrant, include the surrender thereof), issue a new Warrant
of like denomination and tenor as, and in substitution for, this Warrant, which
shall thereupon become void. Any such new Warrant shall constitute an additional
contractual obligation of the Company, whether or not the Warrant so lost,
stolen, destroyed or mutilated shall be at any time enforceable by anyone.

    1.7  Covenants of the Company.  The Company covenants and agrees as follows:

         1.7.1  At all times it shall reserve and keep available for the
exercise of this Warrant such number of authorized shares of Common Stock as are
sufficient to permit the exercise in full of this Warrant.

         1.7.2  The Company covenants that all Shares when issued upon the
exercise of this Warrant will be validly issued, fully paid and non-assessable.

                                  SECTION 1.
                         Adjustment of Purchase Price
                and Number of Shares Purchasable upon Exercise

    1.8  Stock Splits.  If the Company at any time or from time to time after
the issuance date of this Warrant effects a subdivision of the outstanding
Common Stock, the Purchase Price then in effect immediately before that
subdivision shall be proportionately decreased, and conversely, if the Company
at any time or from time to time after the issuance date of this Warrant
combines the outstanding shares of Common Stock, the Purchase Price then in
effect immediately before the combination shall be proportionately increased.
Any adjustment under this subsection 2.1 shall become effective at the close of
business on the date the subdivision or combination becomes effective.

    1.9  Dividends and Distributions.  In the event the Company at any time, or
from time to time after the issuance date of this Warrant makes, or fixes a
record date for the determination of holders of Common Stock entitled to
receive, a dividend or other distribution payable in additional shares of Common
Stock, then and in each such event the Purchase Price then in effect shall be
decreased as of the time of such issuance or, in the event such a record date is
fixed, as of the close of business on such record date, by multiplying the
Purchase Price then in effect by a fraction (i) the numerator of which is the
total number of shares of Common Stock issued and outstanding immediately prior
to the time of such issuance or the close of business on such record date, and
(ii) the denominator of which shall be the total number of shares of Common
Stock issued and outstanding immediately prior to

                                       4
<PAGE>

the time of such issuance or the close of business on such record date plus the
number of shares of Common Stock issuable in payment of such dividend or
distribution; provided, however, that if such record date is fixed and such
dividend is not fully paid or if such distribution is not fully made on the date
fixed therefor, the Purchase Price shall be recomputed accordingly as of the
close of business on such record date and thereafter the Purchase Price shall be
adjusted pursuant to this subsection 2.2 as of the time of actual payment of
such dividends or distributions.

    1.10  Recapitalization or Reclassification.  If the Shares issuable upon the
exercise of the Warrant are changed into the same or a different number of
shares of any class or classes of stock, whether by recapitalization,
reclassification or otherwise (other than a subdivision or combination of shares
or stock dividend or a reorganization, merger, consolidation or sale of assets,
provided for elsewhere in this Section 2, then and in any such event each holder
of Warrants shall have the right thereafter to exercise such Warrant as to the
kind and amount of stock and/or other securities and property receivable upon
such reclassification or other change, by the holder of the number of shares of
Shares as to which such Warrant might have been exercised immediately prior to
such reclassification or exchange, all subject to further adjustment as provided
herein.

    1.11  Sale of the Company.  If at any time or from time to time there is a
capital reorganization of the Common Stock (other than a recapitalization,
subdivision, combination, reclassification or exchange of shares provided for
elsewhere in this Section 2 or a merger or consolidation of the Company with or
into another Company, or the sale of all or substantially all of the Company's
properties and assets to any other person, then, as a part of such
reorganization, merger, consolidation or sale, provision shall be made so that
the holders of the Warrants shall thereafter be entitled to receive upon
exercise of the Warrants, the number of shares of stock or other securities or
property of the Company, or of the successor Company resulting from such merger
or consolidation or sale, to which a holder of Shares deliverable upon exercise
would have been entitled on such capital reorganization, merger, consolidation,
or sale.  In any such case, appropriate adjustment shall be made in the
application of the provisions of this Section 2 with respect to the rights of
the holders of the Warrants after the reorganization, merger, consolidation or
sale to the end that the provisions of this Section (including adjustment of the
Purchase Price then in effect and number of shares purchasable upon exercise of
the Warrants) shall be applicable after that event and be as nearly equivalent
to the provisions hereof as may be practicable.

    1.12  Observance of Duties.  The Company will not, by amendment of its
Articles of Incorporation or through any reorganization,

                                       5
<PAGE>

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 to be observed or performed hereunder by the
Company but will at all times in good faith assist in the carrying out of all
the provisions of this section 2 and in the taking of all such action as may be
necessary or appropriate in order to protect the Exercise Rights of the holders
of the Warrants against dilution or other impairment.

                                  SECTION 2.
                 Registration Under the Securities Act of 1933

    1.13  Registration and Legends.  This Warrant and the Shares issuable upon
exercise of this Warrant have not been registered under the Securities Act of
1933, as amended ("the Act").  Upon exercise, in part or in whole, of this
Warrant, the certificates representing the Shares shall bear the following
legend:

     THIS SECURITY HAS NOT BEEN REGISTERED OR QUALIFIED UNDER THE SECURITIES ACT
     OF 1933 ("ACT") OR THE SECURITIES OR BLUE SKY LAWS OF ANY STATE AND MAY NOT
     BE OFFERED AND SOLD UNLESS REGISTERED AND/OR QUALIFIED PURSUANT TO THE
     RELEVANT PROVISIONS OF FEDERAL AND STATE SECURITIES OR BLUE SKY LAWS OR AN
     EXEMPTION FROM SUCH REGISTRATION OR QUALIFICATION APPLICABLE.  THEREFORE,
     NO SALE OR TRANSFER OF THIS SECURITY SHALL BE MADE, NO ATTEMPTED SALE OR
     TRANSFER SHALL BE VALID, AND THE ISSUER SHALL NOT BE REQUIRED TO GIVE ANY
     EFFECT TO ANY SUCH TRANSACTION UNLESS (A) SUCH TRANSACTION SHALL HAVE BEEN
     DULY REGISTERED UNDER THE ACT AND QUALIFIED OR APPROVED UNDER APPROPRIATE
     STATE OR BLUE SKY LAWS, OR (B) THE ISSUER SHALL HAVE FIRST RECEIVED AN
     OPINION OF COUNSEL SATISFACTORY TO IT THAT SUCH REGISTRATION, QUALIFICATION
     OR APPROVAL IS NOT REQUIRED.

                                  SECTION 3.
                                 Other Matters

    1.14  Binding Effect.  All the covenants and provisions of this Warrant by
or for the benefit of the Company shall bind and inure to the benefit of its
successors and assigns hereunder.

    1.15  Notices.  Notices or demands pursuant to this Warrant to be given or
made by the Holder to or on the Company shall be sufficiently given or made if
sent by certified or registered mail,

                                       6
<PAGE>

return receipt requested, postage prepaid, or facsimile and addressed, until
another address is designated in writing by the Company, as follows:

                         One Voice Technologies, Inc.
                        6333 Greenwich Drive, Suite 240
                          San Diego, California 92122

Notices to the Holder provided for in this Warrant shall be deemed given or made
by the Company if sent by certified or registered mail, return receipt
requested, postage prepaid, and addressed to the Holder at his last known
address as it shall appear on the books of the Company.

    1.16  Governing Law.  The validity, interpretation and performance of this
Warrant shall be governed by the laws of the State of California, without regard
to conflicts of law principles.

    1.17  Parties Bound and Benefitted.  Nothing in this Warrant expressed and
nothing that may be implied from any of the provisions hereof is intended, or
shall be construed, to confer upon, or give to, any person or corporation other
than the Company and the Holder any right, remedy or claim under promise or
agreement hereof, and all covenants, conditions, stipulations, promises and
agreements contained in this Warrant shall be for the sole and exclusive benefit
of the Company and its successors and of the Holder, its successors and, if
permitted, its assignees.

    1.18  Headings.  The Section headings herein are for convenience only and
are not part of this Warrant and shall not affect the interpretation thereof.

                 [Remainder of page intentionally left blank.]

                                       7
<PAGE>

     IN WITNESS WHEREOF, this Warrant has been duly executed by the Company
under its corporate seal as of the ___ day of January, 2000.

                              ONE VOICE TECHNOLOGIES, INC.

                              By:   /s/ Dean Weber
                                  ----------------------------
                                  Dean Weber, President

                                       8
<PAGE>

                         ONE VOICE TECHNOLOGIES, INC.
                        6333 Greenwich Drive, Suite 240
                          San Diego, California 92122

              Subscription Agreement for the Exercise of Warrants

          The undersigned hereby irrevocably subscribes for the purchase of
_____________ Shares pursuant to and in accordance with the terms and conditions
of this Warrant, and herewith makes payment, covering such Shares which should
be delivered to the undersigned at the address stated below, and, if said number
of Shares shall not be all of the Shares purchasable hereunder, that a new
Warrant of like tenor for the balance of the remaining Shares purchasable
hereunder be delivered to the undersigned at the address stated below.

          The undersigned agrees that:  (1) the undersigned will not offer,
sell, transfer or otherwise dispose of any Shares unless either (a) a
registration statement, or post-effective amendment thereto, covering the Shares
has been filed with the Securities and Exchange Commission pursuant to the
Securities Act of 1933, as amended (the "Act"), such sale, transfer or other
disposition is accompanied by a prospectus meeting the requirements of Section
10 of the Act forming a part of such registration statement, or post-effective
amendment thereto, which is in effect under the Act covering the Shares to be so
sold, transferred or otherwise disposed of, and all applicable state securities
laws have been complied with, or (b) counsel to One Voice Technologies, Inc.
satisfactory to the undersigned has rendered an opinion in writing and addressed
to One Voice Technologies, Inc. that such proposed offer, sale, transfer or
other disposition of the Shares is exempt from the provisions of Section 5 of
the Act in view of the circumstances of such proposed offer, sale, transfer or
other disposition; (2) One Voice Technologies, Inc. may notify the transfer
agent for the Shares that the certificates for the Shares acquired by the
undersigned are not to be transferred unless the transfer agent receives advice
from One Voice Technologies, Inc.  that one or both of the conditions referred
to in (1)(a) and (1)(b) above have been satisfied; and (3) One Voice
Technologies, Inc. may affix the legend set forth in Section 3.1 of this Warrant
to the certificates for the Shares hereby subscribed for, if such legend is
applicable.

Dated: ___________________________  Signed: ________________________________

Signature guaranteed:               Address: _______________________________

__________________________________       ___________________________________

                                       9

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