Providing an on-line computer Web site that provides commercial financial transaction data, account management, financial reporting, accounting features and related reference information; Consulting services in the field of human resources development, namely, for the promotion of employee retention, career growth, and increased productivity for employees and employers; Consulting services in the field of human resources development, namely, utilizing technology for the promotion of employee retention, career growth and increased productivity for employees and employers; Human resources services, namely, personnel selection for others; Serving as a human resources department for others; Providing an on-line computer database featuring trade information in the field of Individual Employment References and Educational Transcripts and Certifications along with a permanent repository for Letters of Recommendation and verification; Providing consumer information and related news in the field of Electronically storing on the web employment and life references using a web based subscription service with verification to show validity now and for a lifetime; Providing consumer information in the field of Letters of Recommendation and Letters of Reference; Providing consumer information in the field of Electronically storing on the web employment and life references using a web based subscription service with verification to show validity now and for a lifetime