ELECTRONIC TRANSMISSION OF DATA AND DOCUMENTS VIA COMPUTER TERMINALS ON A GLOBAL COMPUTER NETWORK; ELECTRONIC MAIL; DELIVERY OF MESSAGES BY ELECTRONIC TRANSMISSION; PROVIDING ONLINE CHAT ROOMS AND ELECTRONIC BULLETIN BOARDS FOR TRANSMISSION OF MESSAGES AMONG COMPUTER USERS CONCERNING BUSINESS, MANAGEMENT, CAREERS, COMPUTERS, EMPLOYEES, TAXES, FINANCIAL MATTERS, MENTORING, COMMERCE, LOANS AND BUSINESS SALES